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Review Keywords Analysis

  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in Florida
  4. Cape Coral
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
Step 1 of 3

Mortgage Affordability Calculator Cape Coral, FL

How much house can you afford in Cape Coral? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.

Updated · current rates and lending limits

Add your partner's income if you're buying together.

Car loans, credit cards, lines of credit, student loans. Not rent.

Property tax are for this state.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in Cape Coral

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

Easy Mortgage LLC & Easy Title and Escrow LLC - Cape Coral

Easy Mortgage LLC & Easy Title and Escrow LLC specialize in making the mortgage and escrow process straightforward and stress-free. Their team handles both financing and title services with professionalism and clear communication. Customers appreciate the smooth experience and the confidence they feel throughout the process.

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(239) 243-8408
Open 9:00 AM - 5:00 PM
618 SW 3rd St Ste 160/170, Cape Coral, FL 33991
2

Fairview Lending - Home Mortgages

Fairview Lending specializes in guiding clients through home purchase and refinance mortgages with clear communication and patient support. The team helps borrowers understand their options and navigate complex decisions, often easing stress during major life changes. Some find the process slower at times, but responsiveness remains a consistent strength.

Services & Prices
Home Purchase Loans Quoted per loan
Refinance Loans Quoted per loan
VA Loans Quoted per loan
View Profile
(239) 829-1543
Open 8:00 AM - 8:00 PM
1425 Del Prado Blvd S, Cape Coral, FL 33990
General Services
Mortgage Services
3

Mortgage 1

Mortgage 1 specializes in quick mortgage closings through its "Mortgage in a SNAP" service, helping clients move efficiently from application to approval. They offer a variety of loan programs, including FHA/VA, rural loans, and down payment assistance, with a team known for clear communication and patient guidance throughout the process.

Services & Prices
VA Loan Assistance Quoted per loan
First-Time Homebuyer Assistance Quoted per loan
Mortgage Pre-Approval Quoted per loan
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(239) 471-3696
Open 8:30 AM - 5:00 PM
4421 SE 15th Ave, Cape Coral, FL 33904
General Services
Mortgage Services
4

American Mortgage Solutions, Mortgage Broker in Cape Coral, FL

American Mortgage Solutions is known for clear communication and guiding clients through home loans and refinancing with ease. The team handles purchases and refinancing efficiently, often closing loans quickly while keeping customers informed. Some clients note a preference for direct contact, but overall, the process is described as smooth and supportive.

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(239) 766-8344
Open 8:00 AM - 9:00 PM
3046 Del Prado Blvd S suite 1 b, Cape Coral, FL 33904
5

Island Coast Mortgage

Island Coast Mortgage is known for its attentive and responsive approach, with a focus on advocating for clients throughout the home buying process. The team offers mortgage consulting and guidance, often helping clients understand their options clearly. While some find communication timely and supportive, others note occasional delays and organizational challenges during transactions.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Loans Quoted per loan
Pre-Approval Services Quoted per loan
View Profile
(239) 214-7011
Open 9:00 AM - 6:00 PM
3013 Del Prado Blvd S #2, Cape Coral, FL 33904
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

Cape Coral Mortgage

With over 20 years in business and more than 100 years of combined experience, Cape Coral Mortgage offers a range of loan programs for first-time buyers, refinancing, and home purchases. The team emphasizes clear communication and in-house processing to keep the mortgage process smooth, with clients often noting their supportive and knowledgeable guidance.

Services & Prices
Home Mortgage Quoted per loan
Refinancing Quoted per loan
VA Loans Quoted per loan
Personal Loans Quoted per loan
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(239) 540-5555
Open 9:00 AM - 5:00 PM
S, 7261, 3512 Del Prado Blvd S #106, Cape Coral, FL 33904
General Services
Mortgage Services
7

Premier Mortgage Consultants

Known for responsive communication and a willingness to work through complex situations, Premier Mortgage Consultants helps clients with home purchases and refinancing. The team offers attentive guidance and stays accessible by phone, email, and text, which many customers appreciate throughout the mortgage process.

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(239) 542-8800
Open 00:00 - 23:59
2534 SE Santa Barbara Pl ste. 201, Cape Coral, FL 33904
8

KP Mortgage, your favorite lender.

KP Mortgage offers a broad range of loan programs, including purchase, refinance, and specialized options like construction and foreign national loans. The team provides helpful tools such as mortgage calculators and detailed educational resources, with clients appreciating clear communication throughout the process. Some may find the personalized assistance especially valuable when navigating… more...

KP Mortgage offers a broad range of loan programs, including purchase, refinance, and specialized options like construction and foreign national loans. The team provides helpful tools such as mortgage calculators and detailed educational resources, with clients appreciating clear communication throughout the process. Some may find the personalized assistance especially valuable when navigating complex financing needs.

Services & Prices
Home Loan Quoted per loan
Refinance Quoted per loan
View Profile
(239) 841-9611
Open 8:30 AM - 7:30 PM
3046 Del Prado Blvd S, Cape Coral, FL 33904
General Services
Lending Services
9

Divine Mortgage Group

With over 25 years of experience, Divine Mortgage Group specializes in customized mortgage solutions that help make homeownership attainable, including purchase loans and refinancing options. Clients appreciate the team’s clear guidance, responsiveness, and ability to handle complex cases efficiently, though the process timeline may vary by individual circumstances.

Services & Prices
Credit Score Analysis Quoted per loan
Debt Consolidation Advice Quoted per loan
Budget Planning Sessions Quoted per loan
View Profile
(888) 577-3177
Open 9:00 AM - 5:00 PM
618 SW 3rd St Ste 140, Cape Coral, FL 33991
General Services
Financial Services
10

Easy Mortgage LLC - Massiel Ruiz

Easy Mortgage LLC - Massiel Ruiz specializes in helping clients navigate the home-buying process with clear communication and prompt responses. The team offers mortgage brokerage services focused on making financing smoother and less stressful. Customers appreciate the attentive support, though some find the process can still feel challenging at times.

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(239) 595-3819
Open 8:00 AM - 8:00 PM
618 SW 3rd St Ste 160, Cape Coral, FL 33993

Cape Coral Mortgage Statistics

Home-purchase lending in Lee County and home costs in Cape Coral, FL (latest HMDA and Census data)

Lenders made 15,208 home-purchase loans in Lee County in 2025 (average about $359,000) and denied 2,734 — 15% of decided applications, compared with 17% across Florida, according to federal mortgage data (HMDA, CFPB). In Cape Coral, the median home is worth $373,500 and 65% of owners have a mortgage, paying a median $1,917 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
15,2080%15,179 in 2024
Denial rate
15%FL 17%
Median home value
$373,500FL $359,000
Monthly cost with a mortgage
$1,917median · FL $1,959
Refinance loans made (Lee County, 2025)
4,497 · 3,499 in 2024
Home-improvement loans made (2025)
1,425
Average home-purchase loan
$359,000 (FL $416,000)
Owners with a mortgage
65% · 40% of them spend 30%+ of income on housing
Median household income
$78,104 (FL $74,568)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Lee County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

Cape Coral Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Easy Mortgage LLC & Easy Title and Escrow LLC - Cape Coral 4.9 276 — (239) 243-8408 Visit
2 Fairview Lending - Home Mortgages 5.0 185 Quoted per loan (239) 829-1543 Visit
3 Mortgage 1 4.9 158 Quoted per loan (239) 471-3696 Visit
4 American Mortgage Solutions, Mortgage Broker in Cape Coral, FL 5.0 100 — (239) 766-8344 Visit
5 Island Coast Mortgage 4.8 103 Quoted per loan (239) 214-7011 Visit
6 Cape Coral Mortgage 4.9 97 Quoted per loan (239) 540-5555 Visit
7 Premier Mortgage Consultants 4.8 79 — (239) 542-8800 Visit
8 KP Mortgage, your favorite lender. 5.0 60 Quoted per loan (239) 841-9611 Visit
9 Divine Mortgage Group 5.0 55 Quoted per loan (888) 577-3177 Visit
10 Easy Mortgage LLC - Massiel Ruiz 5.0 42 — (239) 595-3819 Visit

How this Cape Coral mortgage affordability calculator works

Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.

Florida rules and numbers this calculator uses

Debt-to-income
31% for housing and 43% total, the FHA standard and the long-time Qualified Mortgage limit. Some conventional loans go higher with strong credit and savings.
Down payment
At least 3% on a conventional first-time buyer loan (3.5% on FHA). Under 20% down, private mortgage insurance of about 0.6% of the loan a year is added to the payment.
Property tax
About 0.76% of the home's value a year, the Florida average for owner-occupied homes (2024 Census ACS).
Insurance
Homeowners insurance assumed at $150 a month; it varies a lot by home and location.
Rate
Starts at 7.40% (Freddie Mac 30-year average, October 2026). Change it to the rate you have been quoted.

An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.

Frequently asked questions

10 questions
How does the Cape Coral mortgage affordability calculator work?
It estimates the highest home price you can afford based on income, debts, down payment, and interest rate, factoring in PMI and property tax.
What is the debt-to-income ratio for mortgages in Florida?
Lenders typically cap housing costs at 31% and total debt payments at 43% of gross monthly income, following FHA and Qualified Mortgage limits.
What's the minimum down payment for a first-time buyer in Cape Coral?
First-time buyers can put down as little as 3% on conventional loans and 3.5% on FHA loans. VA and USDA loans may allow 0% down if eligible.
How do interest rates affect how much house I can afford?
Higher interest rates increase monthly payments, reducing the maximum home price you can afford. Rates can change weekly, affecting affordability.
How do my debts impact the mortgage I can qualify for?
Higher monthly debt payments reduce the amount you can borrow, as lenders consider total debt payments in the 43% debt-to-income cap.
What is the property tax rate in Florida?
Florida's property tax is about 0.76% of the home's value annually, based on the 2024 average for owner-occupied homes.
What's the difference between mortgage pre-approval and pre-qualification?
Pre-approval confirms your borrowing power after verifying income, debts, and credit. Pre-qualification is a preliminary estimate without verification.
Do I need PMI for a mortgage in Cape Coral?
If your down payment is less than 20% on a conventional loan, you'll likely need PMI, which can be removed once the loan balance is below 80% of the home's value.
How accurate is the Cape Coral mortgage affordability estimate?
The calculator provides an estimate based on input data. Actual affordability is confirmed through pre-approval, where lenders verify financial details.
What role does a mortgage broker play in Cape Coral?
A mortgage broker helps connect borrowers with lenders, offering access to multiple loan options to find suitable terms for the borrower's needs.

General information, not financial advice — consult a qualified professional.