Home / Mortgage Lenders
Narrow by neighborhood
No mortgage lenders yet
We're adding Northeast Florida businesses every day.
Free, no obligation
Tell us what you need. We send it only to 904 Verified businesses near you, and they call you. No spam, no bidding wars.
Getting a mortgage in St. Johns County has a few local wrinkles that a national call center will not warn you about. Many homes in Nocatee, Shearwater, RiverTown, and along CR 210 carry CDD assessments that lenders count in your debt-to-income ratio. Coastal properties in Ponte Vedra Beach, Vilano Beach, and Crescent Beach often require flood insurance, and the premium is part of your qualifying payment. Condos near the beach have to pass lender review of the association's reserves and insurance, which has gotten stricter since 2022. VA loans are common here because of the Navy presence in Jacksonville and Mayport, and many local lenders know how to handle them. Whether you use a bank, a credit union, a mortgage broker, or a builder's preferred lender, compare the Loan Estimate line by line and ask what the rate costs in points.
Get at least two Loan Estimates on the same day
Rates move daily, so quotes are only comparable if they are pulled at the same time. Compare the interest rate, the points in Section A, and the lender fees. A lower rate with two points is not automatically better than a higher rate with none.
Decide between a bank, a credit union, and a broker
Credit unions such as VyStar and Community First often have lower fees for members. Mortgage brokers shop multiple wholesale lenders for you. Banks can be competitive if you have deposits with them. Builder-affiliated lenders may offer closing cost credits tied to using them, so run the math including the credit.
Ask how they handle flood, condo, and CDD questions
A lender who cannot explain how a CDD assessment affects your qualifying ratio, or who has never closed a condo in St. Augustine Beach, will cost you time. Ask directly. Local experience shows up in fewer surprises at underwriting.
Check the NMLS number
Every loan originator has an NMLS ID. Look it up on the NMLS Consumer Access site to confirm the license is active in Florida and to see employment history. The ID should appear on the lender's emails and website.
Ask about rate lock terms and extension fees
New construction in Nocatee or Silverleaf can take six to twelve months to finish. Ask whether the lender offers an extended lock, what it costs, and what happens if the builder is late. A 30-day lock is useless on a house that will not be done until next spring.
By submitting you agree that up to 3 verified businesses may call or text you about this request, and to our Terms and Privacy Policy.
Answers from Northeast Florida professionals. Verified businesses can answer here.