Venice Mortgage Broker | Tony Fitzgerald

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

VENICE MORTGAGE BROKER SERVING THE ISLAND & GULF COAST

Local Expertise, Personalized Service, Fast Approvals

I'm Tony Fitzgerald, a Sarasota-based mortgage broker serving homebuyers throughout Venice and the surrounding Gulf Coast communities. From my office just up the road in Sarasota, I provide personalized mortgage solutions for buyers in Venice Island, Historic Downtown Venice, Nokomis, Osprey, South Venice, Venice Gardens, Venetian Golf & River Club, Wellen Park, and all surrounding neighborhoods.

As a former firefighter and paramedic with 28 years of emergency services experience, I understand that buying a home in Venice can feel overwhelming — especially with flood zones, wind mitigation, and HOA/condo considerations unique to our coast. 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

WHY CHOOSE A LOCAL VENICE MORTGAGE BROKER?

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

Local Market Knowledge I understand Venice's unique real estate market — from historic bungalows on the Island to new construction in Wellen Park, Gulf-access homes in South Venice, golf course estates at Venetian Golf & River Club, and condos along the beach. I know what appraisers look for, typical values by neighborhood, and how to structure loans for coastal properties, flood zones, and condo projects.

Faster Closings Working with a local Venice 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 beachfront Venice 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

VENICE NEIGHBORHOODS WE SERVE

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

Venice Island (Historic Downtown Venice) The heart of Venice — walkable downtown, historic bungalows, charming cottages, and beachfront condos on the Gulf. Home to Venice Beach, Caspersen Beach, and the shark tooth capital of the world.

Wellen Park One of the fastest-growing master-planned communities in Florida, featuring new construction, CoolToday Park (Atlanta Braves spring training), Downtown Wellen, and resort-style amenities.

Venetian Golf & River Club Gated golf community featuring custom homes, maintenance-free villas, and a Chip Powell-designed championship course along the Myakka River.

Nokomis Quiet Gulf Coast community just north of Venice with Gulf-access waterfront homes, Nokomis Beach, and easy access to the Legacy Trail.

Osprey Upscale community between Sarasota and Venice featuring Oaks Club country club living, waterfront estates on Little Sarasota Bay, and top-rated Pine View School district.

South Venice Popular, affordable community known for its private ferry to South Venice Beach, canal-front homes with Gulf access, and a tight-knit community feel.

Venice Gardens Established inland neighborhood offering affordable single-family homes, mature landscaping, and easy access to everything Venice has to offer.

Plantation Golf & Country Club Gated golf community featuring two 18-hole courses, custom homes, and villas in a resort-style setting.

Waterford Gated community with golf, tennis, and a mix of single-family homes, villas, and condos at approachable price points.

Laurel / Laurel Oak Community offering easy access to I-75, the Legacy Trail, and both Venice and Sarasota amenities.

Island Walk at the West Villages Active gated community with resort amenities, clubhouse, and maintenance-free living.

Gran Paradiso Tuscan-inspired gated community in Wellen Park featuring resort-style pool, clubhouse, and diverse home options.

Also Serving: Englewood, North Port, Port Charlotte, Punta Gorda, Sarasota, Bradenton, and all surrounding Gulf Coast communities.

📞 Call or Text: (941) 941-5150

📱 Apply Online: srqfitz.com

VENICE MORTGAGE LOAN PROGRAMS

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

VA Loans for Venice Veterans Zero down payment for eligible veterans and active military purchasing in Venice. With a strong retiree and veteran population in our area, VA loans are one of the most-used programs I offer. No PMI, competitive rates, and flexible qualification standards.

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

Jumbo Loans for Luxury Venice Properties Financing for high-value homes exceeding conforming loan limits. Perfect for beachfront condos on Venice Island, Gulf-access estates in Nokomis and South Venice, and golf course homes at Venetian Golf & River Club or Plantation.

Bank Statement Loans for Self-Employed Venice Buyers Ideal for business owners, entrepreneurs, and self-employed professionals. Use bank statements instead of tax returns to qualify.

DSCR Loans for Venice Investment Properties Purchase rental properties in Venice without personal income verification. Qualification based on property rental income potential — great for short-term rental investors near the beach.

Non-QM Mortgage Programs Alternative financing for unique situations: recent credit events, foreign nationals purchasing in Venice, complex income scenarios, and asset-based qualification for retirees.

Renovation Loans Finance both purchase and renovation costs in one loan. Perfect for updating older Venice Island bungalows, adding hurricane upgrades, or modernizing a Gulf-access home.

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

Condo Financing Venice has a huge inventory of condos — from beachfront towers to 55+ communities. I know which projects are warrantable, which need non-warrantable condo loans, and how to navigate HOA questionnaires, reserves, and insurance requirements.

VENICE REAL ESTATE MARKET INSIGHTS

Venice's housing market features diverse property types and price ranges. From Gulf-front luxury condos to affordable inland neighborhoods and golf course communities, understanding the local market — and its unique insurance and flood considerations — is crucial for proper financing.

Coastal vs. Inland Properties Beachfront and Gulf-access properties on Venice Island, Nokomis Beach, and Casey Key command premium prices and often require jumbo financing plus higher flood and wind insurance. Inland communities like Wellen Park, Venice Gardens, and Plantation offer more affordable options with excellent amenities.

Flood Zones & Insurance Venice has significant property in FEMA flood zones (AE, VE, X). I help buyers understand how flood insurance affects debt-to-income ratios, loan approval, and monthly payments — and I know which lenders handle coastal properties well.

Condo Financing in Venice Venice Island, the barrier islands, and 55+ communities feature many condominiums. Condo financing has specific requirements regarding HOA finances, owner-occupancy ratios, reserves, and building insurance. I navigate these requirements daily.

New Construction Financing Wellen Park, Gran Paradiso, Island Walk, and surrounding areas continue to see heavy new construction. New construction financing involves builder contracts, construction timelines, and rate locks that differ from resale purchases.

55+ / Retirement Community Financing Venice is a top retirement destination. I work with retirees using Social Security, pension, IRA distributions, and asset-based income to qualify — including non-QM asset depletion programs when traditional income doesn't fit.

Seasonal Market Considerations Venice sees seasonal activity with peak season January through April. Planning ahead for pre-approval helps you compete effectively during busy months.

WHY VENICE 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, retirement income, complex assets, credit challenges, flood zone properties, non-warrantable condos — 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 I'm close to Venice, I'm licensed statewide. If you're relocating to Venice from elsewhere in Florida or buying a second home in another market, I can help with both transactions.

WORKING WITH VENICE REAL ESTATE AGENTS

I partner with real estate agents throughout Venice, Nokomis, Osprey, Wellen Park, and the surrounding area 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 — including condo and flood zone issues Professionalism: I treat every transaction with the care it deserves

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

FIRST-TIME HOMEBUYERS IN VENICE

Buying your first home in Venice 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 (including flood and wind insurance)

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

Closing costs: Estimate total costs and explore assistance programs

Timeline: Typical Venice 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.

VENICE 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 Venice home search.

Step 3: Home Shopping Armed with pre-approval, you work with your Venice 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, flood cert, 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 Venice 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.

VENICE MORTGAGE FAQS

How much do I need for a down payment in Venice? 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 Venice 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 Venice if I'm self-employed or retired? Absolutely. I specialize in self-employed borrowers using bank statement loans and P&L only programs, and retirees using asset-based or IRA/pension income.
Do you finance investment properties in Venice? Yes. I offer conventional investment loans, DSCR loans (no income verification), and programs for short-term/vacation rentals near the beach.
Can I finance a condo in Venice? Yes. I handle warrantable, non-warrantable, and condotel financing — and I know how to navigate HOA questionnaires for Venice Island and beach-area buildings.
Does flood insurance affect my mortgage? Yes — it counts toward your debt-to-income ratio. I help you estimate flood premiums before you make an offer so there are no surprises.
Can I get pre-approved before I find a Venice real estate agent? Yes. Getting pre-approved first shows agents you're a serious buyer and helps you understand your budget.

CONTACT TONY FITZGERALD - VENICE 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 Venice focus covers Sarasota County and the south Gulf Coast, I'm licensed throughout Florida. Also serving:

Sarasota County: Venice, Nokomis, Osprey, Sarasota, Siesta Key, Longboat Key, Lakewood Ranch, North Port Charlotte County: Port Charlotte, Punta Gorda, Englewood Manatee County: Bradenton, Palmetto, Parrish 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 VENICE FROM OUT OF STATE?

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

If you're relocating to Venice from another state, I can help coordinate both your current home financing and your new Venice 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 Venice Home: I handle your Florida purchase directly as your licensed loan originator, bringing my local Gulf Coast 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.

Why This Matters for Your Move to Venice:

One Point of Contact — You have my direct line throughout both transactions 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 Local Venice Expertise — Full local market knowledge for your Florida purchase

Common Scenarios for Moving TO Venice:

Moving From the Northeast — Relocating from PA, NJ, CT, MA, or NY to Venice for better weather and lifestyle Moving From the Midwest — Ohio, Michigan, Illinois, Indiana retirees relocating to the Gulf Coast Corporate Relocations — Transferring to the area for work Retirement Moves — Selling your long-time home up north and downsizing to a Venice retirement property Snowbirds Becoming Residents — You've been coming to Venice for years — now you're ready to make it your primary residence

Ready to Plan Your Move to Venice?📞 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.