Florida › Sarasota › No or low down payment home loans

No or low down payment home loans in Sarasota

By Kunal (KJ), former licensed mortgage loan originator · Sources: Florida OFR license file, FDIC, NCUA, firm websites, HMDA

52 firms with a Sarasota office offer at least one loan that fits: 20 mortgage lenders, 13 mortgage brokers, 15 banks, 4 credit unions. The specific loans behind this page are listed below, each with its own page.

The loans this covers

• First time home buyer loans and programs36 firms
• VA loans27 firms
• USDA loans25 firms
• Florida Housing and Hometown Heroes loans22 firms
• Down payment assistance programs17 firms

• ACCredit union

  Achieva Credit Union

  Sarasota +14 more

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Construction loans
  • First time home buyer loans and programs
  • +9 more
  1,310 FL loans in 2025See this credit union
• AFMortgage lender

  American Financial Network, INC.

  Sarasota +9 more NMLS 1579237

  • Down payment assistance programs
  • DSCR loans
  • FHA loans
  • First time home buyer loans and programs
  • +3 more
  1,724 FL loans in 2025See this lender
• Bank

  American Pride Bank

  Sarasota +1 more

  • Commercial real estate loans
  • Construction loans
  • Equipment financing
  • Investment property and rental loans
  • +5 more
  6 FL loans in 2025See this bank
• Bank

  BayFirst National Bank

  Sarasota +7 more

  • Conventional mortgages
  • FHA loans
  • First time home buyer loans and programs
  • HELOCs
  • +6 more
  463 FL loans in 2025See this bank
• CRMortgage lender

  Consumer Real Estate Finance Co.

  Sarasota +2 more NMLS 104621

  • Bank statement loans
  • Bridge loans
  • Business acquisition loans
  • Cash out refinance
  • +17 more
  107 FL loans in 2025See this lender
• Credit union

  Everence Federal Credit Union

  Sarasota

  • Commercial real estate loans
  • Down payment assistance programs
  • Home equity loans
  • Refinance
  • +1 more
  34 FL loans in 2025See this credit union
• FIMortgage lender

  Fairway Independent Mortgage Corporation

  Sarasota +19 more NMLS 1162377

  • Adjustable rate mortgages (ARM)
  • Assumable mortgages
  • Bridge loans
  • Rate buydown mortgages
  • +15 more
  3,153 FL loans in 2025See this lender
• Credit union

  Floridacentral

  Sarasota +9 more

  • 10 year fixed mortgages
  • 15 year fixed mortgages
  • First time home buyer loans and programs
  • HELOCs
  • +3 more
  174 FL loans in 2025See this credit union
• GMMortgage lender

  Guild Mortgage Company LLC

  Sarasota +22 more NMLS 1771956

  • 10 year fixed mortgages
  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Rate buydown mortgages
  • +18 more
  2,790 FL loans in 2025See this lender
• PLMortgage broker

  Premier Lending CORP

  Sarasota +2 more NMLS 1156346

  • Adjustable rate mortgages (ARM)
  • Bank statement loans
  • Commercial real estate loans
  • Conventional mortgages
  • +19 more
  96 FL loans in 2025See this broker
• SMMortgage lender

  Success Mortgage Partners, INC.

  Sarasota +4 more NMLS 1466141

  • Cash out refinance
  • Condo mortgages
  • Construction loans
  • Conventional mortgages
  • +13 more
  429 FL loans in 2025See this lender
• Bank

  U.S. Bank National Association

  Sarasota +2 more

  • First time home buyer loans and programs
  • HELOCs
  • Home equity loans
  • Refinance
  • +1 more
  2,279 FL loans in 2025See this bank
• Credit union

  Usf Federal Credit Union

  Sarasota +3 more

  • 10 year fixed mortgages
  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • FHA loans
  • +8 more
  324 FL loans in 2025See this credit union
• CFMortgage lender

  Cornerstone First Mortgage, INC.

  Sarasota +7 more NMLS 2085164

  • Florida Housing and Hometown Heroes loans
  1,568 FL loans in 2025See this lender
• CMMortgage lender

  Crosscountry Mortgage, LLC

  Sarasota +38 more NMLS 1212907

  • Adjustable rate mortgages (ARM)
  • Rate buydown mortgages
  • Condo mortgages
  • Conventional mortgages
  • +13 more
  11,987 FL loans in 2025See this lender
• GSMortgage lender

  Gold Star Mortgage Financial Group, Corporation

  Sarasota +6 more NMLS 1201417

  • Florida Housing and Hometown Heroes loans
  1,346 FL loans in 2025See this lender
• GRMortgage lender

  Guaranteed Rate Affinity, LLC

  Sarasota +23 more NMLS 1602198

  • Florida Housing and Hometown Heroes loans
  1,458 FL loans in 2025See this lender
• LFMortgage lender

  Leaderone Financial Corporation

  Sarasota +4 more NMLS 2173542

  • Florida Housing and Hometown Heroes loans
  521 FL loans in 2025See this lender
• LCMortgage lender

  Loandepot.Com, LLC

  Sarasota +13 more NMLS 1188814

  • Florida Housing and Hometown Heroes loans
  7,460 FL loans in 2025See this lender
• SMMortgage lender

  Stockton Mortgage Corporation

  Sarasota +6 more NMLS 2410252

  • Florida Housing and Hometown Heroes loans
  289 FL loans in 2025See this lender
• SLMortgage lender

  Success Lending, LLC

  Sarasota +1 more NMLS 2801620

  • Florida Housing and Hometown Heroes loans
  28 FL loans in 2025See this lender
• Mortgage broker

  Absolute Lending Services,LLC

  Sarasota NMLS 2381858

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • FHA loans
  • +6 more
  See this broker
• Bank

  American Momentum Bank

  Sarasota +7 more

  • Adjustable rate mortgages (ARM)
  • Blanket and portfolio loans
  • Cash out refinance
  • Commercial real estate loans
  • +13 more
  See this bank
• Mortgage broker

  Bigtime Mortgage LLC

  Sarasota NMLS 1992743

  • Cash out refinance
  • Conventional mortgages
  • FHA loans
  • First time home buyer loans and programs
  • +3 more
  See this broker
• Mortgage broker

  Braun Mortgage Group, LLC

  Sarasota NMLS 1798086

  • Construction loans
  • Conventional mortgages
  • Down payment assistance programs
  • DSCR loans
  • +11 more
  See this broker
• Mortgage broker

  Creative Lending, L.L.C.

  Sarasota NMLS 1284832

  • Cash out refinance
  • FHA loans
  • First time home buyer loans and programs
  • Foreign national mortgages
  • +6 more
  See this broker
• Bank

  Crews Bank & Trust

  Sarasota +14 more

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Business acquisition loans
  • Cash out refinance
  • +24 more
  See this bank
• EHMortgage broker

  Edge Home Finance, LLC

  Sarasota +25 more NMLS 2135961

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • FHA loans
  • +7 more
  See this broker
• Mortgage broker

  Flvmc LLC

  Sarasota +11 more NMLS 1299512

  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • Conventional mortgages
  • Mortgages after bankruptcy or foreclosure
  • +15 more
  See this broker
• Bank

  Gulfside Bank

  Sarasota

  • Bridge loans
  • Business acquisition loans
  • Car wash financing
  • Commercial real estate loans
  • +16 more
  See this bank
• Bank

  Hancock Whitney Bank

  Sarasota +27 more

  • Asset depletion loans
  • Business acquisition loans
  • Commercial real estate loans
  • Construction loans
  • +9 more
  See this bank
• Bank

  Ipava State Bank

  Sarasota

  • Commercial real estate loans
  • Construction loans
  • First time home buyer loans and programs
  • Refinance
  • +1 more
  See this bank
• Bank

  JPMorgan Chase Bank, National Association

  Sarasota +154 more

  • Adjustable rate mortgages (ARM)
  • FHA loans
  • First time home buyer loans and programs
  • Refinance
  • +4 more
  See this bank
• Mortgage broker

  Lendirect Mortgage, INC

  Sarasota NMLS 117959

  • Adjustable rate mortgages (ARM)
  • Assumable mortgages
  • Bridge loans
  • Cash out refinance
  • +13 more
  See this broker
• Mortgage lender

  Lennar Mortgage, LLC

  Sarasota +9 more NMLS 1058

  • Adjustable rate mortgages (ARM)
  • Conventional mortgages
  • Down payment assistance programs
  • FHA loans
  • +5 more
  See this lender
• Mortgage broker

  Liberty Mortgage, LLC.

  Sarasota NMLS 205396

  • Bank statement loans
  • Rate buydown mortgages
  • Cash out refinance
  • DSCR loans
  • +11 more
  See this broker
• Mortgage broker

  Linx Mortgage Group LLC

  Sarasota NMLS 2550938

  • Asset depletion loans
  • Bridge loans
  • Condo mortgages
  • Conventional mortgages
  • +19 more
  See this broker
• MLMortgage broker

  Mck Lending Group, LLC

  Sarasota NMLS 1649216

  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • FHA loans
  • First time home buyer loans and programs
  • +8 more
  See this broker
• Mortgage lender

  New American Funding, LLC

  Sarasota +21 more NMLS 1508483

  • Adjustable rate mortgages (ARM)
  • Rate buydown mortgages
  • Cash out refinance
  • Construction loans
  • +10 more
  See this lender
• NMMortgage broker

  New Millennium Mortgage Co.

  Sarasota NMLS 331173

  • Assumable mortgages
  • Commercial real estate loans
  • Conventional mortgages
  • FHA loans
  • +2 more
  See this broker
• Mortgage broker

  Pmf, INC.

  Sarasota +9 more NMLS 1980

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • FHA loans
  • +8 more
  See this broker
• Mortgage lender

  Premium Mortgage Corporation

  Sarasota +2 more NMLS 2243463

  • Conventional mortgages
  • Down payment assistance programs
  • DSCR loans
  • FHA loans
  • +6 more
  See this lender
• SNBank

  Seacoast National Bank

  Sarasota +70 more

  • Adjustable rate mortgages (ARM)
  • Asset depletion loans
  • Business acquisition loans
  • Commercial real estate loans
  • +15 more
  See this bank
• TFMortgage lender

  T2 Financial LLC

  Sarasota +7 more NMLS 2472286

  • Adjustable rate mortgages (ARM)
  • First time home buyer loans and programs
  • Refinance
  • Reverse mortgages
  See this lender
• Bank

  TD Bank, National Association

  Sarasota +99 more

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Asset depletion loans
  • Construction loans
  • +11 more
  See this bank
• TMMortgage lender

  Tjc Mortgage, INC.

  Sarasota +5 more NMLS 1895393

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Bank statement loans
  • Rate buydown mortgages
  • +22 more
  See this lender
• Bank

  Truist Bank

  Sarasota +194 more

  • Cash out refinance
  • Commercial real estate loans
  • Construction loans
  • FHA loans
  • +7 more
  See this bank
• Bank

  TrustCo Bank

  Sarasota +31 more

  • Adjustable rate mortgages (ARM)
  • Commercial real estate loans
  • Construction loans
  • Down payment assistance programs
  • +11 more
  See this bank
• Bank

  United Community Bank

  Sarasota +19 more

  • Adjustable rate mortgages (ARM)
  • Asset depletion loans
  • Cash out refinance
  • Commercial real estate loans
  • +22 more
  See this bank
• Bank

  Valley National Bank

  Sarasota +33 more

  • First time home buyer loans and programs
  • Refinance
  See this bank
• NLMortgage lender

  Nfm Lending, LLC

  Sarasota +5 more NMLS 1308745

  • Florida Housing and Hometown Heroes loans
  See this lender
• Mortgage lender

  Union Home Mortgage CORP.

  Sarasota +12 more NMLS 1517729

  • Florida Housing and Hometown Heroes loans
  See this lender

• All home loans in Sarasota124 firms, every loan type

Sarasota County at a glance

As of October 15, 2026Sources: FFIEC HMDA 2025 loan-level data for Sarasota County, FL; FHFA 2026 conforming loan limits; HUD 2026 FHA mortgage limits. Look up any county.

Questions people ask

Which loans count as no or low down payment home loans?

This page gathers VA loans, USDA loans, down payment assistance programs, florida housing and hometown heroes loans, first time home buyer loans and programs. A firm appears if its own website lists at least one of them. Each loan also has its own Sarasota page with only the firms that list it.