Fort Myers Mortgage Rates & Home Loans
Freedomstar Financial offers competitive mortgage rates on conventional, FHA, VA, and jumbo home loans in Fort Myers, Florida (License #LO135517). Lee County (Fort Myers and Cape Coral) uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home, so most purchases are standard conforming, FHA, or VA loans.
Fort Myers and neighboring Cape Coral anchor Southwest Florida’s Lee County, a magnet for retirees, seasonal residents, and investors. Affordability relative to the coast keeps first-time and second-home demand strong.
Today's Fort Myers Mortgage Rates
Live best-execution Florida rates from our lender network — as of July 30, 2026 at 1:22 PM PDT.
Conventional 30-Yr Fixed
6.000%
APR 6.113%
FHA 30-Yr Fixed
5.625%
APR 5.779%
VA 30-Yr Fixed
5.625%
APR 5.795%
DSCR Investor 30-Yr
5.990%
APR 6.061%
Rates subject to change. See Rate Assumptions.
Fort Myers Home Loan Facts
Median Home Price
~$385,000
Curated Fort Myers estimate.
2026 Conforming Limit
$832,750
Lee County baseline reference.
County
Lee County
Loan limits are set at the county level.
Loan Limits & Market
Lee County (Fort Myers and Cape Coral) uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home, so most purchases are standard conforming, FHA, or VA loans.
From downtown Fort Myers and the river district to Cape Coral’s canal communities and the Gulf beaches, Lee County pairs affordability with strong seasonal demand. Second-home and DSCR investor financing are common.
Fort Myers Highlights
- Baseline conforming limit of $832,750 (2026)
- Popular with retirees and second-home buyers
- Active DSCR investor financing
- More affordable than Florida’s southeast coast
Property Taxes in Florida
Florida has no state income tax. Homeowners who claim a primary residence may qualify for the Homestead Exemption, which reduces taxable value and caps annual assessment increases.
Market facts last updated July 21, 2026.
First-Time Buyer Programs in Florida
Florida Housing HFA Preferred
Conventional first mortgage with reduced mortgage insurance for eligible buyers.
Florida Assist (FL Assist)
Down payment and closing-cost assistance as a deferred second mortgage.
Program availability and terms are set by the administering agency and subject to change. Contact us to confirm current eligibility.
Licensed to Lend in Fort Myers, Florida
Your Fort Myers loans are handled by Ivan Hendren, NMLS #152318. Freedomstar Financial holds an active Florida mortgage license (#LO135517). See our full licensing & disclosures for details.
Meet Ivan HendrenFort Myers Mortgage FAQ
What is the conforming loan limit in Fort Myers for 2026?
Lee County, which includes Fort Myers and Cape Coral, uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home. Loans above that amount are financed as jumbo loans.
Is Fort Myers a good market for second homes?
Yes. Southwest Florida’s Lee County is popular with retirees and seasonal residents, who often finance with conventional or jumbo second-home loans depending on the purchase price.
Other Florida Markets
All of FloridaMiami
Median ~$640,000
High-demand metro with significant jumbo and second-home activity.
Tampa
Median ~$400,000
Fast-growing Gulf Coast market with strong first-time buyer demand.
Orlando
Median ~$390,000
Central Florida hub with heavy relocation and investment purchases.
Jacksonville
Median ~$355,000
Affordable market with strong VA demand near naval bases.
Fort Lauderdale
Median ~$450,000
South Florida market with primary-home, second-home, and investor demand.
West Palm Beach
Median ~$470,000
Palm Beach County market with strong relocation and second-home demand.
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