Sanibel · Lee County

Mortgage Broker in Sanibel, Lee County, Florida

2026 Loan Limits in Sanibel, Lee County

The 2026 conforming loan limit in Lee County is $832,750 — Florida's standard baseline — which covers the majority of Sanibel purchases. Lee County's FHA limit is $585,500, or $44,213 above Florida's $541,287 floor, giving FHA buyers meaningfully more purchasing power than buyers in most Florida markets.

Loan Programs Available

Conventional

Fannie Mae and Freddie Mac financing up to $832,750 in Lee County — primary, second home, and investment.

FHA

3.5% down, flexible credit, no income cap. Sanibel's 2026 FHA ceiling: $585,500.

DSCR

Investment property financing that qualifies on rental income — no personal income documentation required. Common in Sanibel for long-term rentals and small multi-unit properties.

Jumbo & Non-QM

For loans above the conforming ceiling, bank statement, P&L, asset depletion, and foreign national programs are available.

Local Market Notes

Lee County; island community; post-Ian recovery; second home and vacation market.

Frequently Asked Questions

What is the 2026 conforming loan limit in Sanibel, Florida?

Sanibel sits in Lee County, where the 2026 conforming loan limit is $832,750. Loans up to that amount are eligible for Fannie Mae or Freddie Mac financing; anything above is jumbo territory.

What is the 2026 FHA loan limit in Sanibel?

The 2026 FHA loan limit in Lee County is $585,500 for a single-family home. FHA financing allows 3.5% down with flexible credit and no income cap.

What loan programs does Tayton Capital offer in Sanibel?

We offer conventional, FHA, VA, DSCR, jumbo, and Non-QM (bank statement, P&L, asset depletion, foreign national) financing in Sanibel and throughout Florida.