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Coastal Funding - Sarasota

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Sarasota, FL
Coastal Funding - Sarasota

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10/28/2026

💼 Self-employed? Your bank statements can tell your income story.

If you own a business, freelance, or earn 1099 or commission income, your tax returns may not show what you really bring in, especially after write-offs. That's where a bank statement loan can help.

🏦 How it works: instead of relying on tax returns, these loans look at your personal or business bank deposits over a set period to help figure qualifying income.
👥 Who it can help: business owners, freelancers and gig workers, real estate agents, and other self-employed borrowers.
📝 What to have ready: recent bank statements, proof of how long you've been self-employed, and info on the home you want to buy or refinance.

Why homeowners choose Coastal Funding: Knowledge. Experience. Communication. The Coastal Funding - Sarasota team knows these programs, walks you through them in plain English, and keeps you updated at every step. 🏡

📞 (850) 725-6500
🌐 www.cfcmtg.com

Coastal Funding Corporation | NMLS: 103035 | Equal Housing Opportunity. Bank statement loans are non-QM loans, subject to credit approval and program guidelines; documentation requirements vary. Not a commitment to lend.

👉 Apply now: www.cfcapplynow.com

10/27/2026

🌳 USDA Loans: 3 Things to Know

Think USDA loans are only for farms? Not at all. USDA home loans help eligible buyers purchase a primary home in eligible rural and many suburban areas, and they offer low down payment options. Here's a quick checklist:

✅ 1. Location matters. The home must be in a USDA-eligible area, and many towns and communities just outside city limits qualify.
✅ 2. Income limits apply. Your household income has to fall within the limit for your county and household size.
✅ 3. It's for the home you'll live in. USDA loans are for primary residences, not second homes or rentals.

Not sure if your address or income fits? 🏡 We'll check eligibility with you and compare USDA side by side with FHA, VA and conventional options so you can choose what works best.

Why homeowners choose Coastal Funding: Knowledge. Experience. Communication. The Coastal Funding - Sarasota team explains your options in plain English and keeps you updated at every step.

📞 (850) 725-6500
🌐 www.cfcmtg.com

Coastal Funding Corporation | NMLS: 103035 | Equal Housing Opportunity. USDA loans are subject to credit approval, property and income eligibility, and USDA program guidelines. For primary residences only. Not a commitment to lend. Coastal Funding Corporation is not affiliated with the USDA or any government agency.

👉 Apply now: www.cfcapplynow.com

10/26/2026

🏡 FHA Loans: Myth vs. Fact

FHA loans are mortgages insured by the Federal Housing Administration, and they're one of the most misunderstood options out there. Let's clear a few things up:

❌ Myth: FHA loans are only for first-time buyers.
✅ Fact: Repeat buyers can use FHA too, as long as it's for a home you'll live in.

❌ Myth: You need perfect credit.
✅ Fact: FHA credit guidelines are generally more flexible than many other loan types.

❌ Myth: You need 20% down.
✅ Fact: FHA offers low down payment options. Keep in mind FHA loans include mortgage insurance, and loan limits vary by county.

FHA isn't the right fit for everyone, so we'll compare it side by side with conventional and other options and help you pick what works best for you.

Why homeowners choose Coastal Funding: Knowledge. Experience. Communication. The Coastal Funding - Sarasota team explains your options clearly and keeps you updated at every step.

📞 (850) 725-6500
🌐 www.cfcmtg.com

Coastal Funding Corporation | NMLS: 103035 | Equal Housing Opportunity. FHA loans are subject to credit approval, eligibility, FHA loan limits and program guidelines, and require mortgage insurance. For primary residences only. Not a commitment to lend. Coastal Funding Corporation is not affiliated with HUD, FHA or any government agency.

👉 Apply now: www.cfcapplynow.com

10/24/2026

🇺🇸 You Served Us. Now Let Your Home Equity Serve You.

⭐ Introducing an exclusive Coastal Funding program for Active Duty Military & Veterans: HELOCs and Home Equity Loans designed with our service members in mind.*

You've worked hard for the home you own. Home equity may help you put that value to work, often without refinancing your existing first mortgage. Service members and veterans use it for things like:
🔨 Home improvements and repairs
🚚 PCS or relocation prep
🎓 Education expenses
🛟 An emergency reserve
💳 Paying down higher-interest debt

Proud to serve Suncoast veterans and military families. 🌴

Every family's situation is different, so we'll walk you through your options and help you decide if tapping your equity makes sense for you. No pressure, just straight answers.

Thank you for your service. 💙

📞 Call (850) 725-6500
💻 Apply now: www.cfcapplynow.com
🌐 www.cfcmtg.com
NMLS: 103035 | Equal Housing Opportunity

*Coastal Funding Corporation home equity lines of credit (HELOCs) and home equity loans for active-duty service members and veterans are subject to credit approval, underwriting, property eligibility and program guidelines; not all applicants will qualify. Proof of military service or veteran status may be required. HELOCs typically carry a variable rate that can change, which may increase your payment. Your home secures the loan. Consult a tax advisor regarding the deductibility of interest. Available in FL, SC and TN only. This is not a commitment to lend. Offer may change or end without notice. Coastal Funding Corporation is not affiliated with or endorsed by the U.S. Department of Veterans Affairs, the Department of Defense or any government agency. Coastal Funding Corporation | NMLS 103035 | www.cfcmtg.com | Equal Housing Opportunity.

10/24/2026

Thank You to all our Local Heroes!!! 🚒🚓🚑🩺

To our firefighters, police officers, paramedics and EMTs, doctors and nurses: you take care of our communities every day, and we want to give a little back. 💙

Coastal Funding offers a program for First Responders, Doctors & Nurses: receive a credit of up to $800* toward your appraisal, applied at closing. 🏡 Whether you're buying a home or refinancing, ask us how it works.

Eligibility required; restrictions apply. Contact us for details.

📞 Call (850) 725-6500 for details
NMLS: 103035 | www.cfcmtg.com | Equal Housing Opportunity

*Appraisal credit of up to $800 is applied as a lender credit at closing toward the borrower-paid appraisal fee and will appear on your Closing Disclosure. Credit cannot exceed the actual appraisal cost, has no cash value, and is not available if the loan does not close with Coastal Funding Corporation. Available to eligible first responders, doctors and nurses; proof of current employment may be required. Subject to credit approval, underwriting and program guidelines; not all applicants will qualify. This is not a commitment to lend. Offer may change or end at any time without notice. NMLS 103035. Equal Housing Opportunity.

Apply now: www.cfcapplynow.com

10/24/2026

Realtors, let's close more deals together! 🏡🌊

Coastal Funding Corporation is big enough to handle your volume, small enough to still give personalized, professional service. Your buyers get clear communication from application to closing, and you get a lending partner who keeps your deals moving.

📞 (850) 725-6500
⏰ Open 9am–9pm, 7 days a week
🗓️ In business since 2004

Apply now: www.cfcapplynow.com
www.cfcmtg.com | NMLS: 103035 | Equal Housing Opportunity

10/23/2026

🏖️ Dreaming of a place at the beach?

Whether it's a getaway on the Gulf, a spot near the Carolina coast, or a lake or mountain retreat closer to home, how you plan to use the property shapes how it's financed:

🏡 Second home: a place you and your family enjoy for part of the year. Lenders generally expect you to occupy it some of the time, and it shouldn't be run as a full-time rental.
🔑 Investment property: a home you plan to rent out. These loans are underwritten differently, and some investors qualify based on the property's rental income.

Picking the right category up front helps you avoid surprises later, so let's talk it through before you start touring homes.

📊 Market check: the average 30-year fixed rate was 7.32% for the week of Oct. 22, 2026, down from 7.40% the week before and the first weekly decline in two months, according to Freddie Mac. Your own rate depends on your credit, down payment, property, and how you'll use the home.

Why homeowners choose Coastal Funding: Knowledge. Experience. Communication. In business since 2004, the Coastal Funding - Sarasota team knows these loans and keeps you updated at every step.

📞 (850) 725-6500
🌐 www.cfcmtg.com

Coastal Funding Corporation | NMLS: 103035 | Equal Housing Opportunity. Subject to credit approval; eligibility and occupancy requirements apply. Not a commitment to lend. Rate cited is a national average from Freddie Mac's Primary Mortgage Market Survey (conventional, conforming purchase loans with 20% down and excellent credit) and is not an offer of credit.

👉 Apply now: www.cfcapplynow.com

10/22/2026

🤔 Rates are up. Is refinancing dead?

Not always! Even when rates are higher than they used to be, a refinance can still make sense for some homeowners:

1️⃣ Cash-out refinance: tap your home's equity, or consolidate higher-interest debt into one loan. (Keep in mind your home secures the loan.)
2️⃣ Shorten your term: move to a shorter loan term and work toward owning your home sooner.
3️⃣ Refinance out of FHA mortgage insurance: if your equity has grown, a conventional refinance may let you drop it.

📊 Refinancing hasn't disappeared: refinances made up 39.0% of all mortgage applications for the week ending Oct. 16, 2026, according to the Mortgage Bankers Association's Weekly Applications Survey (released Oct. 21, 2026).

Every situation is different, so let's look at yours. Get a free refi review and we'll walk you through whether refinancing makes sense for your goals. 🏡

Why homeowners choose Coastal Funding: Knowledge. Experience. Communication. In business since 2004, the Coastal Funding - Sarasota team keeps you updated at every step.

📞 (850) 725-6500
🌐 www.cfcmtg.com

Coastal Funding Corporation | NMLS: 103035 | Equal Housing Opportunity. Subject to credit approval; eligibility requirements apply. Your home secures a cash-out refinance. Not a commitment to lend. Market figure is a national survey statistic from the Mortgage Bankers Association, not an offer of credit.

👉 Apply now: www.cfcapplynow.com

10/21/2026

🏡 Think you need 20% down to buy a home? Think again.

It's one of the most common homebuying myths. The truth: 20% down isn't always required. 🙌

✅ Conventional loans may have low-down-payment options for qualified buyers.
✅ FHA, VA, and USDA loans may also be a good fit, depending on your situation.
✅ As a mortgage broker, we compare options from 30+ lenders to help find the loan that fits you.

Why homeowners choose Coastal Funding: Knowledge. Experience. Communication. In business since 2004, we'll walk you through your options and keep you updated at every step.

Wondering what's possible for you? The Coastal Funding - Sarasota team is happy to help you compare. 💬

📞 (850) 725-6500
🌐 www.cfcmtg.com

Coastal Funding Corporation | NMLS: 103035 | Equal Housing Opportunity. Subject to credit approval; eligibility requirements and mortgage insurance may apply. Not a commitment to lend.

👉 Apply now: www.cfcapplynow.com

10/21/2026

⚡ Submission to close in 12 days.

When you work with a broker, you get more lenders, more options, and a better mortgage, plus a team that keeps your loan moving. Want a faster, smoother home buying experience? Call or click today. 🏡

Why homeowners choose Coastal Funding: Knowledge. Experience. Communication. In business since 2004, serving Florida, South Carolina, and Tennessee.

📞 (850) 725-6500
🌐 www.cfcmtg.com

Coastal Funding Corporation | NMLS: 103035 | Equal Housing Opportunity. Not a commitment to lend. Restrictions apply.

👉 Apply now: www.cfcapplynow.com

Address

Sarasota, FL
34237

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+19414456500

Website

http://www.cfcmtg.com/

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