FORT MYERS NAPLES

    Your home journey,
    guided by people who care

    Personalized mortgage guidance backed by institutional-grade technology. Every detail handled. Every option explored. Every closing on time.

    Apply NowSchedule a Call
    NMLS #2373418+ Years ExperienceLicensed Nationwide
    348+
    Loans Closed
    8+
    Years in Business
    4.9
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    James Cliche

    Producing Branch Manager

    Visit their site

    Chase Carlin Belton

    Loan Officer

    Visit their site

    Fernando Paduani

    Loan Officer

    (609) 892-2644Visit their site

    Michelle Mulligan

    Loan Officer

    (941) 468-2876Visit their site
    Loan Programs

    Every option. Your best fit.

    ◆
    Conventional
    Traditional financing with competitive rates. As little as 3% down for qualified buyers. Conforming and jumbo options available.
    ◆
    FHA
    Government-backed loans with flexible credit requirements. 3.5% down payment. Ideal for first-time homebuyers building their foundation.
    ◆
    VA
    Zero down payment for eligible veterans and active military. No monthly mortgage insurance. The benefit you've earned.
    ◆
    Jumbo
    High-balance loans for premium properties. Competitive rates on loan amounts above conforming limits. Tailored structuring.
    ◆
    Renovation
    Finance the purchase and renovation in a single loan. FHA 203(k) and conventional options. Turn potential into your perfect home.
    ◆
    Non-QM
    Bank statement, DSCR, and asset-based programs for self-employed borrowers and investors. Creative solutions for complex scenarios.
    Available 24/7

    Meet Sophia,
    your mortgage guide

    Get instant answers, explore loan options, estimate payments, and start your pre-approval — any time, day or night. Sophia is backed by our team's expertise and AFN's full lending platform. When you're ready, a loan officer steps in personally.

    →
    Estimate monthly payments based on your actual scenario
    →
    Explore loan programs matched to your situation
    →
    Get pre-approved without waiting for a callback
    →
    Check local market conditions and neighborhood data
    S
    Sophia
    Backed by American Financial Network · NMLS #237341
    Hi, I'm Sophia — your branch's mortgage assistant. I can help you explore options, estimate payments, or get pre-approved. What's on your mind?
    What can I afford on $120K income?
    Based on $120K annual income, you could qualify for roughly $480K–$540K depending on debts, down payment, and rate. Want me to run a detailed scenario?
    Client Experiences

    Trusted by 184 families & counting

    ★★★★★4.9184 verified reviews
    "
    Mr Belton was very knowledgeable and guided me through step by step. Very appreciated.
    Ashley R.
    Indianapolis, IN · via Chase Carlin Belton
    November 2025
    "
    Fernando was an outstanding loan officer who made our entire home-buying experience smooth and stress-free from start to finish. What stood out most was his incredible availability — he answered our calls promptly day or night, weekdays or weekends, and never once made us feel like an inconvenience. Beyond being reachable, he was thorough and proactive at every stage, clearly explaining our options, addressing questions quickly, and following through until each issue was fully resolved. He stayed hands-on all the way through closing, and it was obvious he genuinely cared about getting us the best outcome rather than just closing the deal. His professionalism, responsiveness, and authentic dedication to his clients exceeded our expectations, and we would recommend him without hesitation to anyone in need of a loan officer who truly goes above and beyond.
    Shivansh V.
    Aldie, VA · via Fernando Paduani
    September 2026
    "
    James made the entire mortgage process smooth and stress-free. They were knowledgeable, responsive, and always took the time to answer my questions clearly. I felt supported every step of the way and would absolutely recommend them to anyone looking for a home loan
    Madison A.
    via James Cliche
    August 2025
    “
    have to start by saying thank you for being so professional. I have been growing next to you on all of those refinance and buying houses. You helped me a lot we many loans. Thank you for your kindness, patience, and professionalism. I am growing next to the best thank you Michelle.????
    Juan Carlos S.
    Summerfield, FL · via Michelle Mulligan
    September 2026
    “
    Chase was amazing to work with! Even after I made some pretty big mistakes he helped get me back on track!
    Christian Alexander L.
    Stinesville, IN · via Chase Carlin Belton
    July 2025
    “
    James is an amazing. He always thinks for his client this is our second time that James helps us . He always make himself available for his client. He treat his client as his family. Highly recommend . He is so patient and kind .
    suite d.
    via James Cliche
    August 2025
    “
    Michelle is a true professional. She is accessible, knowledgeable and got my loan done when others could not.
    Andrew G.
    St James City, FL · via Michelle Mulligan
    October 2022
    “
    He stayed in contact with us over everything helped explain everything along the way.
    Jessica B.
    Martinsville, IN · via Chase Carlin Belton
    December 2024
    “
    James made the entire mortgage process smooth and stress-free. They were knowledgeable, responsive, and always took the time to answer my questions clearly. I felt supported every step of the way and would absolutely recommend them to anyone looking for a home loan
    Madison Victoria A.
    Labelle, FL · via James Cliche
    August 2025
    “
    Michelle is the consummate professional. She was always accessible and extremely timely with all aspects of the process. I would definitely use Michelle again and recommend her to anyone that is looking for a mortgage.
    John R R.
    Punta Gorda, FL · via Michelle Mulligan
    September 2022
    “
    Professional ! availability for all questions or needs in a timely manor. I am greatful for all his hard work!
    Candy L J.
    Mooresville, IN · via Chase Carlin Belton
    August 2024
    “
    James is very friendly and thinking of other . He make sure everything good for his client. Especially for us this is the second time he helped us to get our dream home . He is amazing and he always make himself available whenever we need . He is so patient and kind . We can't thanks enough how thankful we are . You can trust him with all your need for your Loan and like i said he is excellent. we are so blessed to meet him . Again if you need to buy home or refinance just call James will will be amazed . He will help you like his own family. Thankyou
    Melody Suilenmawi S.
    Clearwater, FL · via James Cliche
    August 2025
    “
    Very responsive to questions or concern in a timely manner.
    Mark Lynn M.
    Citrus Springs, FL · via Michelle Mulligan
    August 2022
    “
    Chase kept me informed every step of the way!
    Joseph H.
    Martinsville, IN · via Chase Carlin Belton
    July 2024
    “
    Jim was amaxing helping us navigate this process to getting our home closed!! Highly recommend
    Kathryn Susan L.
    Woodstock, GA · via James Cliche
    August 2025
    “
    Working with Michelle was a wonderful experience! Michelle goes above and beyond with her customer service as well as her follow-up. I was very pleased with the experience of working with Michelle and look forward to working with her again for my Daughter. I would highly recommend her to anyone with mortgage needs!
    Stacy S.
    Spring Hill, FL · via Michelle Mulligan
    July 2022
    “
    How hard they worked with our realtor and went above and beyond to get me my child hood home.
    Cody C.
    Martinsville, IN · via Chase Carlin Belton
    May 2024
    “
    Jim was transparent, resourceful, honest, and supportive!
    Jarvis JaJuan J.
    Labelle, FL · via James Cliche
    June 2025
    “
    From the beginning all of the way through the process Michelle was there for any questions that we had. She made a typically unpleasant process very pleasant.
    Matthew David S.
    Summerfield, FL · via Michelle Mulligan
    June 2022
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    Our Branch

    Fort Myers Naples

    American Financial Network · NMLS #237341

    Address
    1520 Royal Palm Square, Unit 220
    Fort Myers, FL 33919
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
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