STATEWIDE FLORIDA MORTGAGE BROKER
Florida Mortgage Financing, Wherever You’re Buying
Ryan Meyer is a Florida-licensed mortgage broker based in Fort Myers, helping homebuyers, homeowners, and investors secure financing throughout Southwest Florida and across the state — from coastal condos to inland single-family homes.
- Licensed to originate mortgages statewide across Florida
- Local expertise in Southwest Florida, from Fort Myers to Sarasota and Naples
- Experience with condos, waterfront properties, second homes, and investment financing
Talk With Ryan
Let’s discuss financing for your Florida property.
Based in Fort Myers, Licensed Across Florida
Ryan Meyer is based in Fort Myers and does most of his hands-on, local work throughout Southwest Florida. He’s also a Florida-licensed mortgage broker, which means he can originate mortgages for buyers, homeowners, and investors anywhere in the state — not just Southwest Florida.
If you’re buying, refinancing, or investing anywhere in Florida, Ryan can work with you regardless of the property’s location within the state.
FLORIDA MORTGAGE PROGRAMS
Explore Financing Options Across Florida
Wherever you’re buying in Florida, these are the core categories of financing Ryan Meyer works with most.
01
Mortgage Loan Programs
Conventional, FHA, VA, and Jumbo financing for Florida purchases.
02
Specialized Mortgage Programs
First-time homebuyer, down payment assistance, and bank statement loan options.
03
Property Financing & Refinancing
DSCR loans, condo financing, investment properties, and refinancing.
04
Mortgage Pre-Approval & Consultation
Pre-qualification, rate quotes, and one-on-one mortgage consulting.
Condos, Coastal Property & Flood Insurance
Florida has specific rules that can affect financing for condos and coastal property. Condo and co-op buildings with three or more habitable stories are required by the Florida DBPR to complete a Structural Integrity Reserve Study and, where applicable, a Milestone Inspection — the results can affect a building’s mortgage eligibility, since lenders like Fannie Mae will not approve financing on a project with unresolved critical repairs or inadequate reserve funding.
If a property sits in a FEMA-designated Special Flood Hazard Area, most loan programs require flood insurance. Florida’s own property insurer of last resort, Citizens Property Insurance Corporation, is also phasing in flood insurance requirements for its policyholders (fully required for all policies by 2027, with earlier thresholds based on dwelling value) — worth checking regardless of which company ultimately insures the home.
For a closer look at condo-specific financing, see our Condo Mortgages page.
Second Homes & Investment Properties in Florida
Florida draws a lot of buyers purchasing a second home or an investment property, and lenders treat these differently from a primary residence. Per Fannie Mae, a second home must be occupied by the borrower for part of the year, limited to one unit, suitable for year-round occupancy, and kept under the borrower’s exclusive control — it can’t be a rental or timeshare, or be controlled by a rental management company. An investment property, by contrast, is one the borrower doesn’t occupy at all.
Both second homes and investment properties are subject to loan-level price adjustments — additional pricing that reflects the higher risk lenders associate with non-owner-occupied or part-time-occupied properties, compared to a primary residence.
If you’re financing a rental or investment property, see our Investment Property Loans and DSCR Loans pages for more detail.
Florida Areas We Serve
Ryan works with buyers, homeowners, and investors throughout Florida. Explore mortgage guidance for these communities, or reach out if yours isn’t listed:
Don’t see your city listed? Reach out to Ryan — he’s licensed to work with borrowers throughout Florida.
Frequently Asked Questions
Frequently Asked Questions
No. Ryan is based in Fort Myers and does most of his local, hands-on work in Southwest Florida, but he’s licensed to originate mortgages for buyers, homeowners, and investors anywhere in Florida.
They can. Florida requires certain condo buildings to complete structural inspections and reserve studies, and the results can affect whether a lender will approve financing for that building. Our Condo Mortgages page has more detail.
It depends on the property. Homes in FEMA-designated flood hazard areas generally require flood insurance for most loan programs, and Florida’s Citizens Property Insurance Corporation is phasing in its own flood insurance requirements as well.
A second home is one you occupy part of the year and keep under your own control, while an investment property is one you don’t occupy at all. Both come with different qualifying rules and pricing than a primary residence.
Yes. Ryan is licensed to work with borrowers throughout Florida, whether or not your specific city has its own page on this site.
Let’s Talk About Your Next Move
Ready to Finance Your Florida Property?
Wherever you’re buying in Florida, connect with Ryan Meyer to talk through your financing options.