Mortgage broker in Naples, FL
Buying, refinancing or tapping your equity in Naples? Gillors is a licensed Florida mortgage broker comparing options from multiple lenders, with a real person guiding you to closing.
- No credit check to start
- Compare options from multiple lenders
- A real person follows up
5.0 on Zillow · 18 reviews
Home loans for Naples buyers and homeowners
Naples is a Gulf Coast city of about 20,000 people in Collier County, known for its beaches, the Naples Pier and shopping and dining on Fifth Avenue South. Many homeowners live here part of the year.
Naples has the highest home values of any city we serve, with a median value of about $1.5 million, and about 82% of homes are owner-occupied. Many purchases need jumbo financing, and Gillors compares jumbo options from multiple lenders.
Naples at a glance
Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates.
Home purchase loans in Collier County, 2021–2025
Lenders made 5,336 home purchase loans in Collier County in 2025. That is 56% fewer than in 2021 and 4% fewer than in 2024. Higher rates since 2022 have kept many owners in place, so buyers today often face less competition than in 2021.
Source: CFPB, Home Mortgage Disclosure Act (HMDA) data. Originated home purchase loans, Collier County, FL.
Average home purchase loan in Collier County
The average purchase loan in Collier County grew from about $490,000 in 2021 to $660,000 in 2025, up roughly 35%.
Source: CFPB HMDA data. Average loan amount, originated home purchase loans, Collier County, FL.
How Collier County borrowers financed their homes in 2025
Share of all home loans made in Collier County in 2025 (purchase and refinance), by loan type. Source: CFPB HMDA data.
Refinance loans in Collier County, 2021–2025
Refinancing dropped sharply after rates rose in 2022, then started to recover: lenders made 2,020 refinance loans in Collier County in 2025, up 30% from 2024. If your rate is higher than today’s, it may be worth checking whether a refinance makes sense.
Source: CFPB HMDA data. Originated refinance and cash-out refinance loans, Collier County, FL.
What to know before buying in Naples
Conforming vs. jumbo
In 2026 the conforming loan limit for a single-family home in Collier County is $832,750. Loans above that are jumbo loans, which usually need a larger down payment and more savings in reserve.
Florida homestead exemption
If it will be your main home, apply with the Collier County Property Appraiser by March 1. The exemption can take up to $50,000 off the assessed value, and Save Our Homes limits yearly increases in assessed value to 3% or inflation, whichever is lower.
Closing costs in Florida
Buyers usually pay documentary stamp tax on the mortgage ($0.35 per $100 borrowed) and intangible tax (0.2% of the loan). Deed stamps are $0.70 per $100 of the price and are typically paid by the seller.
Hurricane and flood planning
Collier County was hit hard by Hurricane Ian in 2022. Check the flood zone, elevation and roof age, which all affect insurance costs, before you make an offer.
Insurance and flood zones
Lenders require homeowners insurance with wind coverage, plus flood insurance if the home is in a high-risk flood zone. Get quotes early, because premiums can change what you can afford.
Naples housing news
- 5321 Treetops Dr Unit T202, Naples, FL 34113Realtor.com · Nov 4, 2026
- 415 Augusta Blvd Apt 110, Naples, FL 34113Realtor.com · Nov 4, 2026
- 853 Reef Point Cir, Naples, FL 34108Realtor.com · Nov 3, 2026
- Inside Naples’ MLS Record-Breaking $37 Million Land SaleGulfshore Business · Nov 3, 2026
- 4241 13th Ave SW, Naples, FL 34116Realtor.com · Nov 3, 2026
Latest local headlines from Google News, updated automatically. Gillors is not affiliated with these publishers.
Questions about mortgages in Naples
How much do I need for a down payment in Naples?
It depends on the loan. Conventional loans can start at 3% down for qualified buyers, FHA loans at 3.5% and VA loans at 0% for eligible veterans. On a home near the Naples median value of about $1.53 million, most purchases need a jumbo loan, and many jumbo lenders ask for 10% to 20% down.
How much do I need down for a jumbo loan in Naples?
Many jumbo lenders ask for 10% to 20% down plus several months of payments in savings, though requirements vary. We compare lenders to find the best terms for your situation.
Do I need a jumbo loan?
Only if your loan amount is above $832,750, the 2026 conforming limit in Collier County. We compare jumbo and conforming options for you, including putting more down to stay under the limit.
How long does it take to close on a home?
Most purchases close about 30 to 45 days after your offer is accepted. Getting pre-approved first helps you move quickly when you find the right home.
Ready to buy or refinance in Naples?
Start with a few quick questions. There’s no credit check to start, and a real person follows up.
What homeowners say
Real reviews from homeowners who worked with Netta Li Fidderer, Senior Loan Officer at Gillors.
Highly recommend Netta Li! It was my first home and the first loan. Netta Li patiently and professionally guided me through the whole process, explaining every term, every detail. Netta Li is very good at communicating! She has always responded very quickly to my texts, emails and calls. …
This is our second deal with Netta Li and like last time she was great, patient and responsive every day, helped us go through the obstacles all the way to a successful deal. Thank you!
I highly recommend Netta Li Fidderer! She is extremely professional, patient, accommodating, and was able to explain the complicated details. I'm happy with the loan that I was able to get with good rates, thanks to her.
