Residential Lending

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Home Purchasing

Home Refinancing

HELOCs

Construction Loans

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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

Foreign National

For foreign nationals wanting to purchase or refinance a property in the United States.

Bank Statement Mortgage

Provides a loan solution to help underserved credit-worthy self-employed borrowers who otherwise may not qualify for a home loan

Business Bank Statement Elite

Provides a loan solution to help borrowers qualify off their great credit history along with their business bank statements.

Investor Cash Flow Mortgage (DSCR Loan)

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.

Home Equity Line of Credit

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.

Fixed Rate Second Mortgage

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.