The Sarasota mortgage market
Sarasota offers Gulf Coast lifestyle with a strong year-round market driven by retirees and remote workers.
A balanced mix of primary residences, second homes, and condo financing.
Top loan programs in Sarasota
- Conventional — commonly used by Sarasota buyers in this market.
- Jumbo — commonly used by Sarasota buyers in this market.
- Second Home — commonly used by Sarasota buyers in this market.
Explore loan programs in Sarasota
How to qualify for a mortgage in Sarasota
Qualifying for a mortgage in Sarasota follows the same core process as anywhere in Florida: lenders review your credit score, debt-to-income ratio, down payment, and income documentation. The right loan program depends on the property type, your goals, and how the home will be used.
- Primary residences: conventional, FHA, VA, or USDA depending on credit and down payment.
- Second homes: typically conventional or jumbo with 10–20% down.
- Investment properties: conventional investor loans (20–25% down) or DSCR loans based on rental income.
Get pre-approved for a Sarasota mortgage
Tayton Capital is an independent mortgage broker licensed in Colorado and Florida, helping buyers across Gulf Coast — including Sarasota — find the right loan program at a competitive rate. As a broker we shop conventional, FHA, VA, USDA, jumbo, and DSCR lenders to match each borrower with the best fit.
What clients say about working with us near Sarasota
All 198+ reviews →"This was our second time using Tayton Capital and could not be happier with our experience. All the documentation and information was clearly explained and easy to process. Highly recommend this company for future buyers!"
"Taylor simply made our American Dream come true. We are truly grateful for his effort, patience, and all the knowledge he shared with us while helping us secure our first-time home buyers mortgage loan."
Get your Sarasota loan options
See what you qualify for — fast, free, no obligation.