Mortgages Made for You

Make your homeownership dream come true.

Finding the ideal home loan doesn’t have to be as hard as finding your dream home. Charlotte State Bank & Trust offers a variety of home loans. Our experienced lenders will help you find the right loan for yourself.

We are experts at financing homes in the following housing markets:

  • Charlotte County
  • Collier County
  • Lee County
  • Sarasota County
  • DeSoto County
                                                                               Loans subject to credit approval NMLS #477000

Purchasing or Refinancing

We offer competitive rates and flexible terms for first-time buyers and seasoned homeowners alike.

Contact a Loan Specialist



With our Construction-to-Permanent Loans, you can apply once and have one closing.

VA Loans

We proudly offer VA Loans exclusively for Veterans and Military Personnel. Thank you for your service.


Flexible guidelines and down payment requirements make FHA loans a popular option for Florida homebuyers. FHA loans are also government insured.

Get Pre-Qualified

Begin searching for your dream home. Get pre-qualified so that you can make an offer with confidence, knowing you have the right financing to complete the deal. Pre-qualification is quick and easy with no fees or obligations.

Contact a Loan Specialist

Application Checklist

Save time applying for your Florida mortgage. Find everything you will need in our application checklist.

Access Checklist

Ready to Apply?

Download and complete our application before visiting a branch.


Applying with
an additional borrower?

Download the Additional Borrower Application.


Let us hear from you.

Contact us now for all your loan needs.

Papers (1)

Residential Mortgages Product Sheet

Download Here