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
  • DeSoto County
  • Lee County
  • Sarasota County
  • Babcock Ranch
  • Burnt Store Isles
  • Cape Haze
  • Charleston Park
  • Charlotte Harbor
  • Deep Creek
  • Harbor Heights
  • Heron Creek
  • Lakewood Ranch
  • Murdock
  • Myakka River Trails
  • North Port
  • Placida
  • Port Charlotte
  • Punta Gorda
  • Punta Gorda Isles
  • Riverwood
  • Rotonda West
  • South Gulf Cove
  • Wellen Park

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                                                                               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.

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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.

Ready to Apply?

Download and complete our application before visiting a branch.


Application Checklist

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

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Let us hear from you.

Contact us now for all your loan needs.