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To buy a home in Sarasota, most lenders want a credit score of at least 620 for a conventional loan, FHA loans go as low as 580. For luxury or jumbo loans (over $766,550), you'll need 700+. I tell buyers: your score affects approval, rates, and how much you’ll need to put down, but lenders also look at income, reserves, and debt. Even small score changes can shift your monthly payment by hundreds. If you're not quite there yet, I help buyers prep early, reviewing credit reports, reducing balances, or connecting with lenders who offer creative options, even for self-employed or asset-based clients. Condos, flood zones, and HOA rules also factor in locally. Don't assume you're not qualified. With the right plan, most buyers can get approved sooner than they think.
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Work with us
Our team of local experts is ready to guide you through the home-buying or home-selling process. We are committed to fast, professional, and courteous service to help you understand and feel at ease throughout the entire transaction. Our trained and licensed agents specialize in the Greater Sarasota area real estate market and are prepared to find the right home if buying, and get the best price when you sell.
