Naples | Fort Myers | Cape Coral | Southwest Florida
Southwest Florida
Real Estate & Financing
Lance Moretto — REALTOR® & Senior Lending Partner
Buy it, build it and finance it with the same person.
Why this is different
Most buyers hire two people. You only need one.
In almost every transaction, your real estate agent and your lender are strangers to each other — passing documents back and forth, each blaming the other when a deadline slips. Lance Moretto is both. That is not a marketing line; it is a structural advantage.
Lance MorettoPremiere Real Estate · Supreme Lending
Real estate
Home search, showings, comparable analysis, offer strategy, negotiation and the whole path to the closing table — across every Southwest Florida market.
Premiere Real EstateLance Moretto · Florida Real Estate Sales Associate · FL License #SL3597159
Mortgage lending
Twenty-five years of mortgage experience. Pre-approval, construction-to-permanent loans, jumbo, renovation and second-home financing.
Supreme LendingLance Moretto · Mortgage Loan Originator · NMLS #341142 · Company NMLS #2129
What that actually buys you: a pre-approval that is real because the person who wrote it also saw the house. An offer structured around financing that already exists. No handoffs, no “let me check with the lender,” and one phone number when something needs to move.
Real estate brokerage services are provided through Premiere Real Estate. Mortgage services are provided through Supreme Lending. These are separate companies — you are never required to use one to obtain the services of the other.
Watch · 35 seconds
Buying in Cape Coral, explained.
Cape Coral has more canal miles than any city on earth — and which canal you buy on decides what your home is worth. Here is what Lance checks before you make an offer.
- Which canal you are onSailboat access, bridge clearance, and the run to the Gulf.
- Flood zoneWhat the designation is, and what it does to your premium.
- InsuranceThe number that decides whether you qualify — not an afterthought.
- HOAWhat the rules cost you, monthly and at resale.
Your Goals. One Advisor.
Buy. Build. Finance.
From finding the right property to securing financing and building your dream, you get end-to-end guidance across Southwest Florida — from the first tour to the final closing.
Areas Served
Every market on the Southwest Florida coast.
From Port Royal to Punta Gorda, each of these markets has its own rules — on water access, insurance, building codes and what a dollar actually buys. Pick yours and I will tell you what matters there.
Meet the Team
One team. Every step of the way.
Lance Moretto
REALTOR®, Premiere Real Estate · Mortgage Loan Originator, Supreme Lending · NMLS #341142
More than 25 years in the mortgage industry and a licensed Florida REALTOR® — representing buyers and sellers across Southwest Florida and financing the purchase himself.
Brian Prestholdt
Loan Partner & Construction Specialist · NMLS #255423
The engine that keeps every deal on track — managing files and client communication end to end, from application through closing.
Loan Programs
A complete lending solution.
From luxury purchases to specialty financing other lenders turn away — one team, every product.
Construction Loans
Custom estates, teardowns and new builds — financing that moves with the build.
Jumbo Loans
Loan amounts built for luxury price points across Southwest Florida.
Purchase Financing
The full suite of purchase products for luxury and second-home buyers.
Refinancing
Restructure and optimize existing financing on your terms.
Second Homes
Coastal retreats and vacation properties, financed with ease.
Investment & Bridge
DSCR investment financing and bridge solutions when timing matters.
Why Work With Lance
The experience — not just the rate.
Southwest Florida real estate deserves an advisor who can keep up on both sides of the deal. Here’s what sets this practice apart.
Luxury & Waterfront
Beachfront estates, Gulf-access canals and Gulf Coast investment property.
Construction Financing
Custom solutions for new builds, renovations, rebuilds and development.
Local Expertise
Market-by-market knowledge across Lee, Collier, Charlotte and Sarasota counties.
Trust & Integrity
Client focused. Relationship driven. Committed to your success.
The Process
Simple, from first call to close.
Schedule a Consultation
A warm, personal conversation about what you are trying to do — buy, sell, build, or all three.
Search and Strategy Together
We find the right property and build the financing around it at the same time, not one after the other.
Close with Confidence
A smooth, communicative path to the closing table — and a client for life.
Client Stories
Trusted by buyers, sellers and builders alike.
“Lance and Brian made financing our custom build effortless. Every question answered, every deadline met.”
— Michael & Sarah R., Naples, FL
“The most communicative lending team we have worked with. It truly felt like one seamless experience with our agent.”
— David T., Fort Myers Beach, FL
“White-glove from start to finish. They understand luxury construction like no one else in the market.”
— Jennifer M., Sanibel, FL
Let’s build something extraordinary.
Schedule a consultation or start your application — I’d love to show you what’s possible in Southwest Florida.
Lance Moretto, REALTOR® | Florida Real Estate Sales Associate | Premiere Real Estate | FL Real Estate License #SL3597159 | Equal Housing Opportunity