✓ No FHA Approval Required
✓ Line of Credit Never Expires
✓ Available at Age 55
✓ Loans Up to $4 Million
Serving Marco Island homeowners and condo owners 55 and older with proprietary reverse mortgages that do not require FHA approval. No upfront mortgage insurance. Loan amounts up to $4 million. Available at age 55.
Call (727) 244-7076 for a Free Marco Island Loan ComparisonNo obligation · No paperwork to get started · We take our time with you
Marco Island is one of the most desirable and valuable communities in Florida. Homeowners and condo owners on Marco Island have built extraordinary equity over the years.
Accessing that equity through a reverse mortgage can be challenging through traditional channels. Many Marco Island condo communities are not on the FHA approved list. The government FHA program also requires borrowers to be at least 62.
Your condo community is not FHA approved, and you need to be at least 62 for a reverse mortgage.
Many Marco Island homeowners walk away believing no one can help them. That is not true. Our proprietary reverse mortgage removes both of these barriers. No FHA condo approval required. Available starting at age 55.
Sunshine State Home Loans serves Marco Island homeowners and condo owners with proprietary reverse mortgages. We evaluate each Marco Island property individually following all applicable federal and state lending regulations. Unlike traditional FHA reverse mortgages, our proprietary solution offers flexibility and accessibility for Marco Island residents who may not qualify for government programs.
Marco Island is known for its pristine beaches, luxury waterfront properties, and exclusive gated communities. Many of these properties have appreciated significantly over the years, representing substantial home equity that residents can tap into. Our proprietary reverse mortgage program is designed specifically for the Marco Island market, taking into account the unique characteristics of island properties, high-value waterfront homes, and resort-style condominium communities.
Subject to property and borrower approval. Borrowers remain responsible for the payment of property taxes, homeowners insurance, HOA dues, and special assessments. This is not a commitment to lend.
Our reverse mortgage specialists understand the complexities of Marco Island properties and condo associations. Whether you own a single family home, a luxury waterfront residence, or a high-rise condominium in one of Marco Island's most sought-after communities, we work with you to explore options that fit your specific situation and financial goals.
We serve homeowners and condo owners throughout Marco Island and surrounding Collier County communities. Marco Island properties including high rise condominiums, waterfront homes, and luxury residences may qualify subject to underwriting.
Marco Island condo communities do not need FHA approval for our proprietary reverse mortgage. We evaluate each property individually subject to underwriting approval.
Marco Island has some of the highest property values in Florida. Our proprietary reverse mortgage offers loan amounts up to $4 million. For properties requiring higher loan amounts we review each situation individually.
Our proprietary reverse mortgage is available starting at age 55. Seven years earlier than the government FHA program minimum age of 62.
The FHA program charges upfront mortgage insurance based on your home value. Our proprietary reverse mortgage does not have this charge.
See what our clients have to say about working with Sunshine State Home Loans.
Do you serve Marco Island Florida?
Yes. We serve homeowners and condo owners on Marco Island and throughout Collier County. Contact us to discuss your specific Marco Island property.
My Marco Island condo is not FHA approved. Can you still help?
You may qualify for our proprietary reverse mortgage even if your Marco Island condo is not FHA approved. We evaluate each property individually subject to underwriting approval.
What is the minimum age?
Our proprietary reverse mortgage is available starting at age 55.
My Marco Island property is worth over $2 million. Do I qualify?
Possibly yes. Our proprietary reverse mortgage offers loan amounts up to $4 million. For properties requiring higher loan amounts we review each situation individually. Contact us to discuss your property.
How do I get started?
Fill out the short form on this page and we will prepare your free reverse mortgage loan comparison and reach out within one business day. No paperwork and no obligation.
There is no paperwork required to speak with us. No credit check. No pressure of any kind. Just a conversation about your Marco Island property, your situation, and your options, at your pace.
Sunshine State Home Loans · Licensed in Florida · Serving Marco Island and Collier County
Fill out the short form below and we will prepare your free reverse mortgage loan comparison and reach out within one business day. No paperwork. No commitment. No obligation of any kind.
Please note: Borrowers are always responsible for the payment of property taxes, homeowners insurance, HOA dues, and any special assessments. Failure to meet these obligations may result in the loan becoming due and payable. This is not a commitment to lend. All loans are subject to credit and property approval.
This website is for informational purposes only and does not constitute financial, legal, or tax advice. Reverse mortgage products are subject to eligibility requirements, terms, and conditions. All loans are subject to credit approval. This material is not a commitment to lend. Sunshine State Home Loans is licensed to offer mortgage products in the state of Florida. Results vary based on individual circumstances. For complete program details, please contact us directly at (727) 244-7076.