SARASOTA · BRADENTON · GULF COAST · NATIONWIDE
Your Everything 360
Lender.
Gulf Coast Built.
Sarasota Bradenton Mortgage Broker
$1.5 B+ funded · 27 years · DSCR · Fix & Flip · FHA · VA · Jumbo · Ground Up Construction
No hard credit pull · Response in 1 business day · 3 borrower lanes
Trusted by Thousands
Who Are You Borrowing For?
INVESTORS
Grow Your Portfolio
DSCR · Fix & Flip · Ground-Up Construction · Bridge · Cash-Out Refi
HOME BUYERS
Find Your Home
Conventional · FHA · VA · Jumbo · First-Time Buyer · Down Payment Assistance
BUSINESS OWNERS
Fund Your Business Property
Commercial Bridge · Owner Occupied
YOUR LOAN OFFICER
Meet Scott Ward
Scott Ward has spent 27 years in asset based lending - funding over $1.5 billion in loans for real estate investors, home buyers, and business owners across the Gulf Coast and nationwide.
He is a Certified Fund Manager, a member of the AAPL Education Board, co-author of Private Lender Perspectives, and the 2024 AAPL Community Impact Award winner. He hosts The Funded Podcast alongside Chris Galli of Novus Home Mortgage.
Why Lakewood Ranch Lending
Answers in 1 Business Day
Real responses from real people. You will never be passed to a call center or left waiting.
3 Lanes. 1 Expert.
Investors, home buyers, and business owners all work with the same trusted team — no handoffs, no confusion.
Gulf Coast Local. Licensed Nationally.
Rooted in Lakewood Ranch. Licensed to lend across the United States.
$1.5 B+ Funded
A track record that speaks before we do. Over a billion dollars funded across every loan type we offer.
Every Loan.
One Team.
From your first home to your tenth investment property - we have the product.
DSCR LOANS
Qualify on rental income, not tax returns. Perfect for portfolio investors.
FIX & FLIP
Fast capital for acquisitions and rehab. Underwrite the deal, not the borrower.
FHA & VA
Low down payment and zero-down options for buyers and veterans.
JUMBO
Luxury and waterfront financing up to $5M. Gulf Coast's barrier islands, covered.
OWNER OCCUPIED COMMERCIAL
Own the building your business operates in.
GROUND-UP CONSTRUCTION
Build from the dirt up. Draw schedules, interest-only phase, fast approvals.
NOW STREAMING
The Funded Podcast
Hosted by Scott Ward & Chris Galli of Novus Home Mortgage
Real lending conversations for real estate investors, business owners, and buyers who want the truth about how capital actually works.
Common Questions
What types of loans does Lakewood Ranch Lending offer?
We serve three borrower lanes — real estate investors (DSCR, Fix & Flip, Ground-Up, Bridge), home buyers (Conventional, FHA, VA, Jumbo, Non-QM), and business owners (SBA 504 & 7(a), Commercial Bridge). One team. Every product.
Do I need to show tax returns to qualify?
Not always. DSCR loans qualify on property cash flow. Bank Statement loans qualify on deposits. Many of our most popular products are designed specifically for borrowers with complex income.
How fast can you close?
DSCR and Fix & Flip loans can close in 10–14 business days. Home buyer loans typically close in 21–30 days. Call us and we'll tell you exactly what's achievable for your timeline.
Are you local to Sarasota and Bradenton?
Yes. Lakewood Ranch Lending is rooted in the Sarasota-Bradenton market and serves Sarasota County, Manatee County, and Charlotte County — plus all 50 states through Novus Home Mortgage.
Who is Scott Ward?
Scott Ward is a 27-year direct lending veteran, Certified Fund Manager, AAPL Education Board Member, and co-author of Private Lending Perspectives. He has personally funded over $1.5 billion in loans. NMLS #1148813.
How do I get started?
Click any "Get Started" or "Find My Loan" button on this page, or call us directly. You'll hear back within 1 business day — usually same day.
READY WHEN YOU ARE
Your Next Deal
Starts Here.
Investors. Buyers. Business owners. One call. One team. No runaround.
No hard credit pull · Response within 1 business day · No obligation
LAKEWOOD RANCH LENDING
Gulf Coast Built. Nationally Licensed.
NMLS #1148813
Loan Programs
- DSCR Loans
- Fix & Flip
- FHA & VA Loans
- Jumbo Loans
- SBA Loans
- Ground-Up Construction
Who We Serve
- Real Estate Investors
- Home Buyers
- Business Owners
- First-Time Buyers
- Self-Employed
Get In Touch
📞 941-526-0778
📍 Lakewood Ranch, FL
Lakewood Ranch Lending is licensed to originate residential mortgage loans in the United States, operating in the state of Florida. All loan products are offered through Novus Home Mortgage, a division of Ixonia Bank, NMLS #423065. Scott Ward, NMLS #1148813, operates as an authorized loan originator. This is not a commitment to lend. Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Rates and terms are subject to change without notice.
© 2026 Lakewood Ranch Lending · All Rights Reserved