Mary Lou Bear

Mortgage Banker

NMLS #: 546266

1100 S Tamiami Trail, Sarasota, FL 34236

Mary Lou Bear | SouthState Mortgage

About Mary Lou Bear

Mary Lou Bear brings more than four decades of mortgage lending experience to every client relationship. A Maryland native and proud Florida resident, Mary Lou began her career in 1983 and has spent the years since helping hundreds of families and individuals achieve the dream of homeownership.

With a background spanning a wide range of loan programs, from first-time homebuyer financing to construction lending, Mary Lou guides her clients through every step of the process with knowledge, dedication, and a personal touch that keeps people coming back. She is a member of the Gulf Coast Mortgage Bankers Association, reflecting her deep commitment to the profession and the community she serves.

That commitment extends well beyond the office. Mary Lou serves as a board member for Manasota BUDs, a Down Syndrome support organization, and volunteers as a coach for the Special Olympics. Two roles that speak to the heart behind her work. When she’s not serving clients or her community, you’ll find her on the tennis court or soak up the Florida sunshine at the beach.
Couple buying a home with an FHA Loan

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family finding homes with affordable mortgage options

Buyer's Advantage

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Individual and family homebuyers assistance funding

Opportunity Advantage

Assistance for Qualified Home Buyers

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First-Time Buyer Resources

  • Resources for first-time homebuyers
  • Tips for improving your credit score
  • Get information on pre-qualifying
  • Learn about the loan process
  • Find a checklist of information you'll need to gather
  • Learn about Down Payment Assistance programs
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Recent Reviews

5 stars
Google   •   SouthState Bank
05/02/2026
Mary Lou is a detailed professional who knows her business! She goes the extra mile. Always helpful and very communicative. Mary Lou is my go-to banker!
5 stars
Google   •   SouthState Bank
12/21/2025
Mary Lou is the best!! She is fantastic to work with and truly looks out for her client’s best interests. Thank you Mary Lou for your persistent follow up and taking care of our mortgage.
5 stars
Google   •   SouthState Bank
07/01/2025
Dear Mary Lou, Over the past three months working together, we’ve faced a few stumbling blocks; however, we got through it with great success because we had you by our side. We can’t wait to move in our Florida villa overlooking the 7th tee and watching all the wild life out our lanai! You’ve become a dear friend to us. We can’t wait to move in and have “DJ Randy” play your favorite tunes. Thank you for your hard work, patience, and diligence along the way. Randy & Sharon

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