Mortgage Lender in Sarasota, Florida

Looking for a trusted mortgage lender in Sarasota, Florida? Premium Mortgage has been helping homebuyers across Southwest Florida finance their homes since 1999. As a trusted purchase and veteran-owned mortgage lender serving Sarasota, our local team combines competitive rates, a wide range of loan programs, and real, one-on-one guidance from loan officers who know the Southwest Florida market.

Our Sarasota office at 240 N Washington Blvd serves buyers, homeowners, and real estate partners throughout Sarasota and Manatee counties, including Bradenton, Venice, North Port, Osprey, Nokomis, Lakewood Ranch, Siesta Key, Longboat Key, and the surrounding communities. Whether you’re purchasing your first home, moving up, refinancing, or investing, we’re a short drive away and always ready to help in person.

Home Loan Programs in Sarasota

Every homebuyer’s situation is different, so we offer programs built to fit yours. Our Sarasota loan options include first-time homebuyer programs, low down payment options, government-backed loans (FHA, VA, and USDA), and conventional loan options. We’re well-equipped to help Southwest Florida buyers take advantage of Florida Housing Finance Corporation programs and other state-sponsored options designed to make homeownership more affordable.

First-Time Homebuyers in Southwest Florida

Buying your first home in Sarasota should feel exciting, not overwhelming. Our local loan experts walk you through each step, from estimating your monthly payment to getting pre-approved, so you can shop with confidence and make a competitive offer. We’ll also help you explore down payment and closing cost assistance, including grants and other programs available to buyers in eligible communities.

Refinancing Your Sarasota Home

If you already own a home in the Sarasota area, refinancing may help you lower your monthly payment, shorten your loan term, or tap into your home’s equity. Our team will review your goals and run real numbers so you can decide whether refinancing makes sense for you.

Why Choose a Local Sarasota Lender

Working with a local lender means you get someone you can actually reach, and even visit, when questions come up. At Premium Mortgage, we pair easy-to-use digital tools with real human guidance at every step. As a company deeply rooted in the community since 1999, we’re proud to support local families, organizations, and youth sports throughout Southwest Florida. To us, a mortgage isn’t just a transaction; it’s a partnership for life.

Ready to get started? Apply online in minutes or connect with a Sarasota loan expert today.