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Residential Lending
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Contact a loan officer today to talk about your options:
Consumer Loans
We offer various consumer loans, including loans to purchase cars, trucks, and boats, or for home improvements.
Home Equity Loans
We offer Home Equity Loans with payment terms to meet your budget.
Alternative Lending Options
Who Can Benefit?
- Self-employed individuals
- Business owners
- Individuals with high levels of debt
- Individuals with low credit scores
- Real estate investors
- Freelance or gig-economy workers with varying incomes
Alternative Mortgages
For foreign nationals wanting to purchase or refinance a property in the United States.
Provides a loan solution to help underserved credit-worthy self-employed borrowers who otherwise may not qualify for a home loan
Provides a loan solution to help borrowers qualify off their great credit history along with their business bank statements.
Based on rental analysis to determine property cash flow. Debt Service Coverage Ratio (DSCR) is a measurement of a property’s cash flow to determine ability to repay a mortgage loan.
For borrowers using their asset accounts to qualify. Designed for retirees, underserved self-employed, divorced with no income and other borrowers with eligible value of seasoned assets to purchase or refinance.
A great option for debt consolidation, home improvements or other major expenses, this loan option offers a variable rate, a steady repayment schedule and potential tax advantages.
From $75,000 to $500,000 – and you can keep your existing low interest first mortgage. Choose your own repayment terms.
With Sanibel Captiva Community Bank as your lender, you get a local partner guiding you through the mortgage process. We have loan officers in every branch able to work with you from start to finish. Since we’re locally owned and operated all our loan decisions are made right here in Southwest Florida. Recognizing and valuing relationships with our customers allows us to find solutions where other banks fail.
Want more information?
8 Convenient SWFL Locations
Main Office
2406 Periwinkle Way
Sanibel, Florida 33957
239-472-6100
Downtown Branch
1533 Hendry Street, Ste. 100
Fort Myers, Florida 33901
239-274-6205
College Parkway Branch
7500 College Parkway
Fort Myers, Florida 33907
239-274-6200
Winkler Branch
7040 Winkler Road
Fort Myers, Florida 33919
239-274-7400
Bridge Branch
9311 College Parkway
Fort Myers, Florida 33919
239-274-6250
Periwinkle Branch
(Opening in 2024)
1019 Periwinkle Way
Sanibel, Florida 33957
239-472-6150
McGregor Branch
15975 McGregor Blvd.
Fort Myers, Florida 33908
239-210-7100
Gateway Branch
11691 Gateway Blvd., Ste. 100
Fort Myers, Florida 33913
239-274-6210