Sarasota Mortgage Broker | Tony Fitzgerald

Home Loans, Refinancing & Pre-Approval in Sarasota, Florida

SARASOTA MORTGAGE BROKER SERVING THE GREATER SARASOTA AREA

Local Expertise, Personalized Service, Fast Approvals

I'm Tony Fitzgerald, a Sarasota-based mortgage broker serving homebuyers throughout Sarasota County and the surrounding Gulf Coast communities. With my office centrally located in Sarasota, I provide personalized mortgage solutions for buyers in Sarasota, Lakewood Ranch, Siesta Key, Longboat Key, Lido Key, Bird Key, The Landings, and all surrounding neighborhoods.

As a former firefighter and paramedic with 28 years of emergency services experience, I understand that buying a home in Sarasota can feel overwhelming. My job is to take what feels like an emergency and turn it into a manageable, straightforward process.

📞 Call or Text: (941) 941-5150

📱 Apply Online: srqfitz.com

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WHY CHOOSE A LOCAL SARASOTA MORTGAGE BROKER?

Unlike big banks or out-of-state lenders, I live and work in Sarasota. I know the local market, understand the neighborhoods, and have relationships with Sarasota real estate agents, title companies, and appraisers. This local knowledge helps your transaction close faster and smoother.

Local Market Knowledge

I understand Sarasota's unique real estate market, from downtown condos to beachfront properties, luxury estates in The Oaks to family homes in Gulf Gate. I know what appraisers look for, typical home values by neighborhood, and how to structure loans for different property types in our area.

Faster Closings

Working with a local Sarasota mortgage broker means faster response times, local processing, and relationships with area title companies and appraisers. This can shave days or weeks off your closing timeline.

Personalized Service

You're not a number in a call center. You work directly with me from application through closing. I'm available 24/7 by phone, text, or email. I meet clients in person when needed and attend closings when requested.

All Loan Types Under One Roof

From first-time homebuyer programs to jumbo loans for luxury Sarasota properties, I handle it all. FHA, VA, Conventional, Bank Statement loans for self-employed, DSCR loans for investors, and Non-QM programs for unique situations.

📞 Call or Text: (941) 941-5150

📱 Apply Online: srqfitz.com

SARASOTA NEIGHBORHOODS WE SERVE

I provide mortgage services throughout Sarasota County and surrounding areas, including:

Downtown Sarasota

From luxury high-rise condos to historic bungalows, downtown Sarasota offers walkable urban living with arts, culture, and waterfront dining.

Lakewood Ranch

One of the nation's top-selling master-planned communities, offering new construction, excellent schools, and resort-style amenities.

Siesta Key

World-famous for its white sand beaches, Siesta Key features beachfront homes, condos, and vacation properties with strong investment potential.

Longboat Key

Exclusive barrier island offering luxury beachfront estates, condos, and a quieter, upscale coastal lifestyle.

The Oaks

Prestigious gated community featuring custom estates, championship golf, and country club living in central Sarasota.

Palmer Ranch

Large master-planned community with diverse housing options, from townhomes to estate homes, with multiple village centers.

Gulf Gate

Established family-friendly neighborhood close to Siesta Key, offering affordable single-family homes and easy beach access.

Bird Key

Private island community adjacent to St. Armands Circle, featuring waterfront estates and luxury properties.

Lido Key

Prime location between downtown Sarasota and St. Armands Circle, offering beach access and upscale living.

Southside Village

Trendy neighborhood near downtown with charming homes, local shops, and vibrant dining scene.

Also Serving: Osprey, Nokomis, Venice, North Port, Englewood, and all Sarasota County communities.

📞 Call or Text: (941) 941-5150

📱 Apply Online: srqfitz.com

SARASOTA MORTGAGE LOAN PROGRAMS

FHA Loans in Sarasota

Low down payment options (as low as 3.5%) perfect for first-time homebuyers in Sarasota. Flexible credit requirements and competitive rates.

VA Loans for Sarasota Veterans

Zero down payment for eligible veterans and active military purchasing in Sarasota County. No PMI, competitive rates, and flexible qualification standards.

Conventional Loans

Traditional financing for primary homes, second homes, and investment properties throughout Sarasota. Down payments from 3% to 20% depending on situation.

Jumbo Loans for Luxury Sarasota Properties

Financing for high-value homes exceeding conforming loan limits. Perfect for luxury properties in Siesta Key, Longboat Key, Casey Key, The Oaks, and other premier Sarasota locations.

Bank Statement Loans for Self-Employed Sarasota Buyers

Ideal for business owners, entrepreneurs, and self-employed professionals. Use bank statements instead of tax returns to qualify.

DSCR Loans for Sarasota Investment Properties

Purchase rental properties in Sarasota without personal income verification. Qualification based on property rental income potential.

Non-QM Mortgage Programs

Alternative financing for unique situations: recent credit events, foreign nationals purchasing in Sarasota, complex income scenarios.

Renovation Loans

Finance both purchase and renovation costs in one loan. Perfect for updating older Sarasota homes or coastal properties needing hurricane upgrades.

Refinancing in Sarasota

Lower your rate, switch from ARM to fixed, cash-out for renovations, or eliminate PMI. Multiple refinance options available.

SARASOTA REAL ESTATE MARKET INSIGHTS

Sarasota's housing market features diverse property types and price ranges. From Gulf-front luxury estates to affordable inland neighborhoods, understanding the local market is crucial for proper financing.

Coastal vs. Inland Properties

Beachfront and barrier island properties (Siesta Key, Longboat Key, Lido Key) command premium prices and may require jumbo financing. Inland communities like Lakewood Ranch, Palmer Ranch, and Gulf Gate offer more affordable options with excellent amenities.

Condo Financing in Sarasota

Downtown Sarasota and barrier islands feature many condominiums. Condo financing has specific requirements regarding HOA finances, owner-occupancy ratios, and building insurance. I navigate these requirements daily.

New Construction Financing

Sarasota County has significant new construction, especially in Lakewood Ranch and North Port. New construction financing involves builder contracts, construction timelines, and rate locks that differ from resale purchases.

Seasonal Market Considerations

Sarasota's market sees seasonal activity with peak season January through April. Planning ahead for pre-approval helps you compete effectively during busy months.

WHY SARASOTA BUYERS CHOOSE TONY FITZGERALD

28 Years Emergency Services Experience

Before becoming a mortgage broker, I spent 28 years as a firefighter and paramedic. I stay calm under pressure, solve complex problems, and communicate clearly when others are stressed.

Problem Solver, Not Just Order Taker

I specialize in files that require strategy and creative solutions. Self-employed income, complex assets, credit challenges, unique properties - situations that don't fit standard guidelines.

Available 24/7

Just like when I was on call as a first responder, I'm available when you need me. Evenings, weekends, holidays - I respond quickly to calls, texts, and emails.

Clear Communication

Emergency services taught me to explain complicated situations in plain language. I'll walk you through every step without overwhelming you with jargon.

Licensed Throughout Florida

While my focus is Sarasota, I'm licensed statewide. If you're relocating to Sarasota from elsewhere in Florida or buying a second home in another market, I can help with both transactions.

WORKING WITH SARASOTA REAL ESTATE AGENTS

I partner with real estate agents throughout Sarasota County to provide seamless transactions for our mutual clients. Agents appreciate my:

Fast Pre-Approvals: Most pre-approvals issued same day or within 24 hours

Clear Communication: I keep agents informed throughout the process

Local Availability: I attend inspections or closings when needed

Problem-Solving: I find solutions when deals hit obstacles

Professionalism: I treat every transaction with the care it deserves

If you're a Sarasota real estate agent looking for a reliable lending partner, let's connect.

FIRST-TIME HOMEBUYERS IN SARASOTA

Buying your first home in Sarasota is exciting and can feel overwhelming. I specialize in guiding first-time buyers through the process step by step.

What to Expect:

- Pre-approval: Understand what you qualify for before shopping

- Budget guidance: Calculate comfortable monthly payments

- Down payment options: Programs from 0% to 3.5% down available

- Closing costs: Estimate total costs and explore assistance programs

- Timeline: Typical Sarasota purchase takes 30-45 days from contract to close

I explain everything in plain language, answer all questions, and help you feel confident in your decisions.

SARASOTA MORTGAGE PROCESS

Here's how working with me looks from start to finish:

Step 1: Initial Consultation

We discuss your situation, goals, timeline, and concerns. No pressure, no sales pitch - just honest conversation about your options.

Step 2: Pre-Approval

I gather necessary documentation, run credit, verify income and assets, and issue a pre-approval letter for your Sarasota home search.

Step 3: Home Shopping

Armed with pre-approval, you work with your Sarasota real estate agent to find the perfect home. I'm available for questions throughout your search.

Step 4: Purchase Contract

Once your offer is accepted, I begin processing your loan. I order appraisal, title work, and handle all documentation.

Step 5: Underwriting

I submit your complete loan package to underwriting. I address any conditions quickly and keep you informed of progress.

Step 6: Clear to Close

Once underwriting approves, we schedule closing with the title company. I review your Closing Disclosure and answer final questions.

Step 7: Closing Day

You sign documents at the title company and receive keys to your new Sarasota home. I'm available if questions arise at closing.

Step 8: After Closing

My service continues after closing. Questions about payments, refinancing, or future purchases - I'm always available.

SARASOTA MORTGAGE FAQS

How much do I need for a down payment in Sarasota?
Depends on loan type: VA loans require 0% down, FHA loans 3.5%, conventional loans 3-20%, jumbo loans typically 10-20%.
What credit score do I need?
Minimum varies by program: VA and conventional can go as low as 580-620, FHA typically 580+, jumbo loans usually require 680-700+.
How long does it take to close on a Sarasota home?
Average is 30-45 days from accepted contract to closing, though it can be faster or slower depending on the situation.
Can I buy in Sarasota if I'm self-employed?
Absolutely. I specialize in self-employed borrowers using bank statement loans, P&L only programs, and other alternative documentation options.
Do you finance investment properties in Sarasota?
Yes. I offer conventional investment loans, DSCR loans (no income verification), and other investor programs.
Can I get pre-approved before I find a Sarasota real estate agent?
Yes. Getting pre-approved first shows agents you're a serious buyer and helps you understand your budget.

CONTACT TONY FITZGERALD - SARASOTA MORTGAGE BROKER

Ready to get started on your Sarasota home purchase or refinance?

📞 Call or Text: (941) 941-5150

📱 Quick Apply: srqfitz.com

✉️ Email: [your email]

🏢 Serving: Sarasota County and surrounding Gulf Coast communities

NMLS #1284924

Available 24/7 | In-Person Meetings Available | Fast Pre-Approvals

ABOUT TONY FITZGERALD

I'm a Sarasota-based mortgage broker and branch leader with 1st Response Mortgage. Before entering the mortgage industry, I spent 28 years as a firefighter and paramedic, working structure fires, technical rescues, and large-scale disaster operations across the United States.

That career taught me how to stay calm under pressure, communicate clearly in stressful situations, and solve problems that don't fit standard procedures - skills I use every day helping Sarasota clients navigate the mortgage process.

I specialize in complex files: self-employed borrowers, commission-based income, first responders, veterans, investors, and situations requiring strategy and problem-solving beyond basic qualification.

My approach is straightforward: I take time to understand your full financial picture, explain options in plain language, identify potential issues early, and stay involved from application through closing and beyond.

Read My Full Story →

SERVING ALL OF FLORIDA

While my focus is Sarasota, I'm licensed throughout Florida. Also serving:

Manatee County: Bradenton, Palmetto, Parrish, Lakewood Ranch

Charlotte County: Port Charlotte, Punta Gorda, Englewood

Lee County: Fort Myers, Cape Coral, Bonita Springs, Estero

Collier County: Naples, Marco Island

Tampa Bay: Tampa, St. Petersburg, Clearwater

And all other Florida markets.

Equal Housing Opportunity | Equal Housing Lender

1st Response Mortgage is a DBA of Barrett Financial Group, L.L.C. This is not a commitment to lend. All loans subject to credit approval. Rates, fees, and program availability subject to change without notice.

RELOCATING TO SARASOTA FROM OUT OF STATE?

Moving to Sarasota? I'll Guide You Through Both Transactions

If you're relocating to Sarasota from another state, I can help coordinate both your current home financing and your new Sarasota purchase - ensuring a seamless transition.

Here's How It Works:

I'm Your Main Point of Contact for Everything

You work directly with me throughout your entire relocation - from your first call to both closings and beyond. You have my cell phone, my email, and my commitment to guide you through every step.

For Your Current Home (Outside Florida):

I partner with a licensed loan originator on my Barrett Financial Group team in your state. They handle the compliance and state-specific requirements, but I stay actively involved in coordinating your transaction.

For Your New Sarasota Home:

I handle your Florida purchase directly as your licensed loan originator, bringing my local Sarasota market knowledge and expertise.

You're Not Handed Off to a Stranger:

This isn't a referral where you get passed to someone you've never met. I introduce you to my Barrett team member, I stay on calls and emails, I coordinate timing between both properties, and I remain your primary contact. You're working with me - I just bring in licensed support in your current state to ensure everything is done properly.

Why This Matters for Your Move to Sarasota:

One Point of Contact

You have my direct line throughout both transactions - no getting lost between different loan officers

Coordinated Timing

I personally coordinate your sale and purchase to close in the right sequence

I Hold Your Hand

Moving is stressful. I walk you through both loans step by step, answer all questions, and stay involved from start to finish

Local Sarasota Expertise

When it comes to your Sarasota purchase, you get my full local market knowledge and relationships with area real estate agents, title companies, and appraisers

Common Scenarios for Moving TO Sarasota:

Moving From the Northeast

Relocating from Pennsylvania, New Jersey, Connecticut, Massachusetts, or other northern states to Sarasota for better weather and lifestyle

Corporate Relocations

Transferring to Sarasota for work and need to coordinate your mortgage with your relocation timeline

Retirement Moves

Selling your long-time home up north and downsizing to a Sarasota retirement property

Snowbirds Becoming Residents

You've been coming to Sarasota for years - now you're ready to make it your primary residence

What You Can Expect:

Initial Consultation: We discuss both properties, your timeline, your goals, and create a coordinated plan

Your Current Home: I introduce you to my Barrett team member in your state - you stay connected with me throughout

Your Sarasota Purchase: I handle directly as your Florida loan originator with full local expertise

Throughout the Process: You have my cell phone and email - I coordinate everything and keep you informed on both transactions

After Closing: I remain your contact for any questions about either property

Ready to Plan Your Move to Sarasota?

📞 Call or Text: (941) 941-5150

📱 Apply Online: srqfitz.com

PROPERTY OUTSIDE FLORIDA? I CAN HELP WITH THAT TOO

Florida Resident Buying, Selling, or Refinancing in Another State

Already living in Florida but need mortgage help in another state? Maybe you're keeping your former home as a rental, buying an investment property elsewhere, or helping family members with financing. I coordinate those transactions while staying your main point of contact.

Here's How It Works:

You Work Directly With Me

Even though I'm only licensed in Florida, you don't get handed off to a random loan officer. I remain your main point of contact throughout the entire process.

I Partner With Licensed Barrett Team Members

I connect you with a loan originator on my Barrett Financial Group team who is licensed in the state where your property is located. They handle state-specific compliance and licensing requirements.

I Stay Actively Involved

I'm on the calls. I'm on the emails. I coordinate the transaction. I answer your questions. You're working with me - I just bring in a licensed team member to ensure everything is done properly in that state.

You Get the Same Service

Same responsiveness, same communication, same personal attention you'd receive on a Florida transaction - just with coordinated support in the other state.

Common Scenarios for Out-of-State Properties:

Investment Properties

You live in Sarasota but want to purchase rental properties in markets you know well - your hometown, college town, where your kids live, or emerging markets you've researched.

Rental Property Refinancing

You moved to Florida but kept your previous home as a rental. Now you want to refinance it for better rates or cash-out to buy more Florida property.

Helping Adult Children

Your kids are buying their first home in another state. You want someone you trust to guide them through the process.

Helping Aging Parents

Your parents need to refinance or sell their home in another state. You want to coordinate their transaction while they focus on their move or transition.

Second Homes & Vacation Properties

Adding a mountain cabin in North Carolina, lake house in Tennessee, or ski condo in Colorado while keeping your Florida primary residence.

Portfolio Management

You own multiple investment properties across different states and want one point of contact to coordinate refinancing or additional purchases.

Former Primary Residence

You moved to Florida but haven't sold your previous home yet. Need to refinance it as an investment property while you decide whether to keep or sell.

Why Work With Me for Out-of-State Properties:

Relationship Continuity

You already know me and trust me - no need to start over with a stranger in another state

Same Personalized Service

You get the same level of attention and communication regardless of where the property is located

Coordinated Strategy

If you have multiple properties across different states, I coordinate the overall strategy and timing

Portfolio Perspective

I understand how your out-of-state properties fit into your overall real estate and financial goals

After-Closing Support

I remain your contact for questions, future refinancing, or additional purchases anywhere

Barrett Financial Group's 49-State Licensing:

Barrett Financial Group is licensed in 49 states (all except New York). Whether your property is in Pennsylvania, Texas, California, or anywhere in between, I can connect you with licensed team members while staying your main point of contact.

What You Can Expect:

Initial Consultation

We discuss the property, your goals, timeline, and overall strategy

Licensed Team Introduction

I introduce you to the Barrett team member licensed in your property's state - you stay connected with me throughout

Coordinated Processing

I oversee the transaction, coordinate communications, and ensure everything moves smoothly

Ongoing Communication

You have my cell phone and email - I keep you informed and answer questions throughout the process

After Closing

I remain your contact for any questions, future refinancing, or additional property purchases

Ready to Discuss Your Out-of-State Property?

Whether you're buying, selling, or refinancing property outside Florida, let's discuss how I can coordinate your transaction.

📞 Call or Text: (941) 941-5150

📱 Apply Online: srqfitz.com

Barrett Financial Group is licensed in 49 states - I can work with a licesended Loan Officer on our Barrett Financial Group Team and assist you with property financing almost anywhere while providing the same personalized service you expect.

About 1st Response Mortgage

1st Response Mortgage serves homebuyers throughout Florida with specialized mortgage solutions. Licensed statewide and powered by Barrett Financial Group, we handle conventional loans, FHA, VA, jumbo loans, bank statement loans, DSCR loans for investors, non-QM programs, and other specialized financing.

Serving all of Florida from our base in Sarasota, including Tampa Bay, Orlando, Jacksonville, Miami, Fort Myers, Naples, and all other Florida cities and counties.

Available 24/7 for clients statewide.