Hard Money
Bridge Loan in Naples, FL
Naples, FL is a smaller community of 19,704 people in Collier County, where Custom Mortgage arranges Bridge Loan financing. Naples homes carry a premium: the median owner-occupied value is $1,525,600, 182% over Collier County's $540,700 (Census ACS 2020-2024 5-year). That is $692,850 over the 2026 one-unit conforming limit of $832,750, so keeping a median-priced purchase conforming takes at least 46 percent down, and a bigger loan is a jumbo.
Naples households out-earn the county: a median $153,182, 70% above the Collier County level. It is an owner's market in tenure terms, with 82% of homes owner-occupied (77% countywide). The median home was built in 1983. Renters in Naples pay a median $2,305 a month in gross rent.
Bridge Loan Highlights
- CMRE funds Bridge Loan on an accelerated timeline.
- Asset-based underwriting — property value is primary qualification.
- LTV up to 80% as-is value or 90% ARV for fix-and-flip.
Bridge Loan rate sheet
| Note rate range | 8.5% – 14% |
|---|---|
| Typical starting rate (median) | 9.5% |
| APR | Not shown: business-purpose loan, APR depends on points and fees in your quote |
| Max LTV | Varies by lender and property |
| Minimum FICO | 620 |
| Terms | 1 year, 2 year, 18 month, 3 year, 4 year, 5 year |
As of 2026-10-07. Source: published terms from 5 lenders CMRE works with, updated 2025-11-19 to 2026-10-07. Ranges, not a quote or commitment to lend. Your rate depends on the property, leverage, experience and term. NMLS #1556995.
National Rate Index (Freddie Mac PMMS)
30-Year Fixed Rate
7.18%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
15-Year Fixed Rate
6.57%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Market-data snapshots: FHFA 2026 (live); HUD FYunavailable (bundled); Census ACS 2024 (bundled).
Collier County at a glance
- Naples median home value
- $1,525,600
- Source: Census ACS 5-year, Naples city, Florida, 2020-2024
- Naples median household income
- $153,182
- Source: Census ACS 5-year, Naples city, Florida, 2020-2024
- Naples owner-occupied homes
- 82%
- Source: Census ACS 5-year, Naples city, Florida, 2020-2024
- Naples median year built
- 1983
- Source: Census ACS 5-year, Naples city, Florida, 2020-2024
- Conforming loan limit (1 unit)
- $832,750
- Source: FHFA, 2026
- Conforming loan limit (4 units)
- $1,601,750
- Source: FHFA, 2026
- Median owner-occupied home value
- $540,700
- Source: Census ACS 5-year, 2024
- Median household income
- $90,045
- Source: Census ACS 5-year, 2024
- Owner-occupied homes
- 77%
- Source: Census ACS 5-year, 2024
- Home value to income ratio
- 6.0
- Source: Census ACS 5-year (computed), 2024
2026 Conforming Loan Limits: COLLIER
1-Unit (SFR)
$832,750
2-Unit (Duplex)
$1,066,250
3-Unit (Triplex)
$1,288,800
4-Unit (Fourplex)
$1,601,750
Source: FHFA 2026 Conforming Loan Limits. Loans above these limits require jumbo financing.
Bridge Loan in Naples, FL
Premium mortgage lending services in Naples, FL. We specialize in jumbo loans, conventional financing, and custom programs for high-net-worth borrowers.Custom Mortgage & Real Estate specializes in providing high-fidelity Bridge Loan solutions tailored to the unique economic landscape of Naples and the surrounding Collier County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireNaples metropolitan area.
Service Areas & Neighborhoods
Our Naples Presence
Local Knowledge. Global Rates.
200 S Biscayne Blvd
Miami, FL 33131
Direct Line
877-976-5669Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Get Matched in 60 Seconds
Our AI Instant Advisor analyzes your situation — credit, loan amount, property type — and matches you to the right program. No credit pull. No obligation.
Get Your Numbers
Quick quote or detailed payment estimate — no credit pull
Quote Wizard
AI-Powered Rate Intelligence
Step 1: Loan Foundation
Mortgage Estimator
Freddie Mac 30-yr average, week of Apr 19, 2026. Not a quote.
Principal & Interest Only
Common Questions About Bridge Loan in Naples
No. At $1,525,600, the Naples median is $692,850 above the $832,750 FHFA limit for Collier County. Borrowing more than $832,750 makes the loan a jumbo; staying conforming means putting at least $692,850 down.
10.0 times the $153,182 median household income, steeper than the county's 6.0. Expect to need extra down payment or a co-borrower.
See all Bridge Loan questions and program details
Bridge Loan by Location
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View county-level market data, loan limits, and mortgage rates on our territory pages.
Browse All Territories →Reviewed by Eve Sanchez, Chief Compliance Officer · Updated 2026-11-04 · Custom Mortgage Inc., NMLS #1556995
TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
