HOME LOANS · GULF COAST · LAKEWOOD RANCH
Home Loans,
Done with Heart.
June Ward brings Gulf Coast roots and real relationships to every home buyer she works with - backed by 29 years of lending expertise from Chris Galli and The Galli Team.
No hard credit pull · Response in 1 business day · Gulf Coast Local
Trust In Numbers
YOUR HOME LOAN GUIDE
Meet June Ward
I'm June Ward — co-owner of Lakewood Ranch Lending and the person behind the relationships that make this brand what it is.
While Scott has built his career in private lending and capital markets, my lane has always been people. I built the Ward Brand on genuine connection — showing up at community events, knowing our neighbors, and caring about the outcome of every conversation I'm part of.
"Let's find your path home. I'll be with you every step of the way."
— June Ward
Now I'm channeling that into home loans. And I couldn't be doing it alongside a better team. Chris Galli has 29 years in this industry, a Top 1% national ranking, and an operation built specifically for borrowers that traditional lenders won't fight for. His platform, his experience, and his team are the engine behind every home buyer loan I work on.
Why Work With June
She Knows This Market
June lives and works in Lakewood Ranch. She knows the neighborhoods, the builders, the real estate agents, and what it takes to compete and close in the Sarasota-Bradenton market.
Chris Galli and The Galli Team have closed thousands of loans across all 50 states. When your scenario gets complicated, June has the full weight of that experience working your file.
One Person. Start to Close.
You work with June - not a call center. She coordinates everything with The Galli Team on your behalf and keeps you informed at every step from pre-approval to closing day.
THE TEAM BEHIND YOUR LOAN
Local Touch. National Power.
June Ward originates every home loan under the direct mentorship of
Chris Galli and The Galli Team — same platform, same underwriting
expertise, same find-a-way mentality that has funded thousands of homes.
June Ward
Every Path to Homeownership,
Covered.
June originates all home buyer programs through Novus Home Mortgage — the same platform trusted by The Galli Team for 29+ years.
CONVENTIONAL
3% Down Conventional
The standard for buyers with solid credit and stable income. Low PMI options, competitive rates, flexible terms. Best pricing for borrowers with 700+ FICO.
FHA LOANS
3.5% Down FHA
The go-to for first-time buyers and those rebuilding credit. Down to 580 FICO. Pairs beautifully with Down Payment Assistance programs to dramatically reduce out-of-pocket costs.
VA LOANS
0% Down VA
Zero down payment. No PMI. For active duty, veterans, and surviving spouses. The best rate program in the industry — and our honor to originate for the people who served.
DOWN PAYMENT ASSISTANCE
DPA Programs
Not enough saved for a down payment? June specializes in pairing Florida DPA programs with FHA and conventional loans. Some buyers close with as little as $1,000–$1,500 out of pocket.
JUMBO LOANS
Jumbo up to $5M
Luxury and waterfront financing for Sarasota's barrier islands and high-end properties. Siesta Key, Longboat Key, Bird Key, and Casey Key — covered up to $5 million through The Galli Team platform.
NON-QM · BANK STATEMENT
No Tax Return Needed
Self-employed? 1099? Business owner? Qualify using 12–24 months of bank deposits instead of tax returns. Your write-offs won't count against you. One of The Galli Team's most-closed programs.
WHO THIS IS FOR
Home Buyers Across the
Gulf Coast
Sarasota, Bradenton, Lakewood Ranch, Venice, North Port, and the surrounding Gulf Coast communities are among the most competitive real estate markets in Florida. First-time buyers, move-up buyers, self-employed borrowers, veterans, and buyers relocating from out of state all face different challenges in this market - and June's approach is built around understanding your specific situation before recommending a loan.
For first-time buyers, the biggest barrier is usually the down payment. Through The Galli Team's platform, June has access to Florida Housing Finance Corporation programs, Manatee County DPA programs, and lender-specific assistance products that can pair with FHA or conventional loans to reduce out-of-pocket costs to nearly zero.
For self-employed buyers and business owners, the challenge is usually income documentation. Tax returns that show low income after legitimate business deductions can disqualify borrowers from conventional programs - but bank statement and Non-QM programs allow qualification on actual cash deposits instead of adjusted gross income. June has access to 25+ lenders through The Galli Team, which means she finds the program that fits the borrower - not the other way around.
For veterans on the Gulf Coast, VA loans remain the most powerful purchase product on the market - zero down, no PMI, and competitive rates. June originates VA loans and treats every military borrower with the respect and urgency that service earns.
First-Time Buyers
FHA + DPA combinations. Close for as little as $1,000-$1,500 out of pocket in the right scenario.
Self-Employed & 1099
Bank statement loans. 12-24 months of deposits. No tax returns required.
Veterans & Active Duty
VA loans. Zero down. No PMI. Originating with the respect your service deserves.
Move-Up & Luxury Buyers
Jumbo up to $5M. Conventional. Non-QM. Barrier island and waterfront properties covered.
From First Call to
Closing Day.
Discovery Call with June
Tell June your situation — income type, savings, goals, and timeline. No hard credit pull. No commitment. Just clarity on what's possible.
Loan Match
June reviews your scenario with The Galli Team and 25+ lender options to identify the best program, rate, and structure for your specific situation.
Pre-Approval
Once pre-approved, you shop with confidence. Sellers know you're serious. Your real estate agent knows you'll close. You move with certainty.
Clear to Close
June handles all communication. The Galli Team processes the file. You show up to closing, sign your documents, and get your keys.
POWERED BY
The Galli Team ·
Novus Home Mortgage
When June originates your loan, this is what's behind it.
29+
Years in the Industry
Top 1%
Nationally Ranked
4.9★
145 Verified Reviews
25+
Lender Options
"If there's a loan to be structured, we'll find it."
— Chris Galli · Branch Manager · Novus Home Mortgage · NMLS #13152
Chris Galli built The Galli Team on a single premise: too many good people were being told "no" by lenders who didn't know how to structure their deal. With 29+ years of experience, a Top 1% national ranking, access to 25+ lenders, and a team that has helped self-employed borrowers, investors, first-time buyers, and denied borrowers find a path forward — The Galli Team is the engine behind every home buyer loan June originates.
Gulf Coast Families.
Real Results.
Questions About Working
with June
Is June a licensed loan officer?
June is actively completing her licensing under the direct mentorship of Chris Galli and The Galli Team through Novus Home Mortgage, a division of Ixonia Bank (NMLS #423065). All loans are originated within the full compliance and licensing framework of Novus Home Mortgage.
What loan programs does June originate?
Conventional (3% down), FHA (3.5% down), VA (0% down), Jumbo up to $5M, Down Payment Assistance programs, Bank Statement / Non-QM loans for self-employed borrowers, and ITIN loans. All programs are available through Novus Home Mortgage and The Galli Team's 25+ lender platform.
What makes this different from going directly to a bank?
Banks have one loan menu. June and The Galli Team compare 25+ lenders to find the best rate and program for your exact scenario. A denial from one lender is not a denial here — different programs have different guidelines, and the right structure for your file may simply not exist at a big bank.
Can I get down payment assistance?
Yes. June specializes in pairing Florida DPA programs with FHA and conventional loans. Depending on your income, location, and loan amount, you may qualify for programs that cover most or all of your down payment — significantly reducing what you need to bring to closing.
I'm self-employed and my taxes show low income. Can I qualify?
Yes. This is one of the most common scenarios June handles. Bank statement programs allow qualification using 12–24 months of personal or business bank deposits instead of tax returns. Your write-offs don't disqualify you — actual cash flow is what we look at.
How fast will June respond?
Within 1 business day — typically same day. June manages her own communication. You will not be handed to a call center or passed between team members without context.
What areas does June serve?
June is based in Lakewood Ranch and is deeply familiar with the Sarasota, Bradenton, Venice, North Port, and Gulf Coast markets. Through Novus Home Mortgage and The Galli Team, she is licensed to originate in all 50 states.
LET'S GET STARTED
Your Home is Out There.
Let's Find It.
A 15-minute call with June is all it takes to know exactly what you qualify for - and what your path to the closing table looks like.
Powered by The Galli Team · Novus Home Mortgage · NMLS #423065
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