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St. Augustine Northeast Florida historic coastal home

Jacksonville & Northeast Florida Home Loans

Northeast Florida is where affordability, the military, and the Atlantic coast come together. Jacksonville is the state's most affordable major metro, anchored by a huge Navy presence (NAS Jacksonville, NS Mayport). The Beaches, from Jax Beach to Ponte Vedra, offer oceanfront living. And the St. Johns County suburbs, Nocatee, St. Augustine, deliver top schools and master-planned growth. I finance across Duval, Clay, and St. Johns counties, from zero-down VA and USDA to oceanfront jumbo, with the honest all-in cost and 240+ lenders behind me. NMLS #233747.

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Northeast Florida at a Glance

Jacksonville

The state’s most affordable major metro, huge Navy presence, ~$580K FHA limit, FHA & VA

Jacksonville Beach

Oceanfront and inland-Beaches; jumbo on the sand, conventional inland

Orange Park

Clay County, NAS Jax-adjacent military value, VA

Nocatee

One of the nation’s top-selling master-planned communities, St. Johns schools, conventional & jumbo

Middleburg

Rural Clay County, USDA zero-down and VA

St. Augustine

The nation’s oldest city, historic and coastal, conventional & jumbo

Conforming limit: $832,750 • FHA $580,750 (Duval, Clay, St. Johns) • pulled live from the loan-limits module

Today’s Purchase Mortgage Rates

Live pricing from the same daily rate feed shown on our Today’s Rates page. These update automatically each day.

Conventional 30-Year Fixed

Conventional – Primary Residence

6.25%
Interest Rate
6.297%
APR

FHA 30-Year Fixed

FHA – Primary Residence

5.875%
Interest Rate
6.425%
APR

VA 30-Year Fixed

VA – Primary Residence

5.875%
Interest Rate
6.003%
APR
Rates as of

Rate Assumptions

30 year fixed, $300k loan amount, $400k value, purchase, FICO Credit Score 759, Zipcode 95111

APR & Disclosures

The Annual Percentage Rate (APR) shown reflects the cost of credit over the loan term, including applicable fees, and is based on the assumptions above. Your actual rate and APR depend on your credit profile, loan amount, property, occupancy, and other factors. For information purposes only and does not constitute a loan approval or commitment to lend. Rates are subject to change without notice.

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Monthly Payment Calculator

Calculate your estimated monthly mortgage payment including taxes and insurance

%
$70,000
%
Estimated Monthly Payment
$2,563
Principal & Interest$1,863
Property Tax (est.)$350
Home Insurance (est.)$350
Loan Amount$280,000

Jacksonville — the affordable Navy metro (FHA & VA)

Jacksonville is Florida's most affordable major metro and one of its largest military communities, NAS Jacksonville and Naval Station Mayport anchor a huge active-duty, veteran, and DoD population. That makes it a powerful VA market (zero down, no PMI, BAH counted, and I handle PCS-timed remote closings), and a strong FHA first-time market, with the Duval County FHA limit at $580,750 covering the vast majority of the city's inventory (a $280K Jacksonville home needs about $9,800 down on FHA). Diverse neighborhoods span from historic areas near Fort Caroline to new-build military-friendly communities near the bases, and transitioning service members can use FHA while awaiting VA entitlement processing. Jacksonville's affordability plus no state income tax makes it one of the best-value metros in Florida.

The Beaches — Jacksonville Beach oceanfront (jumbo & conventional)

The Jacksonville Beaches corridor splits cleanly for financing. Oceanfront and premium A1A properties, with panoramic views, run into jumbo territory above the $832,750 conforming limit, and I finance these including renovation-plus-purchase loans that turn older beach cottages into modern coastal estates. Meanwhile, beach condos, townhomes, and homes on the western (inland) side of the Beaches corridor often fall within the conforming limit, where conventional financing (3% down, or second-home loans at 10%) works well. As a coastal market, wind-and-flood insurance is a real budget factor, and I estimate it up front.

Orange Park, Nocatee, Middleburg & St. Augustine — the suburbs and coast (VA, conventional, jumbo & USDA)

Orange Park (Clay County), near NAS Jax, is established military-family value, a strong VA market. Nocatee (St. Johns County) is one of the top-selling master-planned communities in the country, top-rated St. Johns schools, extensive amenities, and homes that span the conforming limit, so conventional covers much of it while larger and premium homes go jumbo. Middleburg (Clay County) is rural Northeast Florida, a strong USDA zero-down and VA market for buyers who want land within reach of the metro and bases. St. Augustine (St. Johns County), the nation's oldest city, offers a distinctive historic-and-coastal market, conventional for homes under the limit and jumbo for historic-district and waterfront properties, backed by A-rated St. Johns schools.

Loan Programs across Northeast Florida

VA

Zero down, no PMI, no limit with full entitlement; the essential NAS Jax / Mayport / Orange Park tool.

FHA

3.5% down, the first-time entry across Jacksonville; Duval/Clay/St. Johns limit $580,750.

Conventional

3–5% down, PMI cancels at 20% equity; the default in Nocatee, the inland Beaches, and St. Augustine.

Jumbo

For Jax Beach oceanfront, Nocatee’s premium homes, and historic St. Augustine above $832,750.

USDA

Zero down in eligible rural areas around Middleburg and the metro edges.

DSCR / Investment

Qualifies on rental income for the Beaches and metro rental market; no cap on properties.

Northeast Florida Mortgage FAQ

Is Jacksonville really Florida’s most affordable major metro?+
Largely yes. Jacksonville consistently offers lower home prices than Miami, Orlando, or Tampa, with a Duval County FHA limit of $580,750 covering the vast majority of homes and entry-level properties around $280K needing roughly $9,800 down on FHA. Combined with a huge Navy presence and no state income tax, it’s one of the best-value major metros in the state.
Can military members at NAS Jacksonville or Mayport use VA loans?+
Absolutely. NAS Jacksonville, Naval Station Mayport, and the surrounding commands anchor a large military community, and VA (zero down, no PMI, BAH counted) is the primary tool. I handle PCS-timed remote closings, and transitioning members can use FHA while awaiting VA entitlement processing, then refinance.
Do I need a jumbo loan at Jacksonville Beach?+
It depends where. Oceanfront and premium A1A properties usually exceed the $832,750 conforming limit and need jumbo financing (including renovation-plus-purchase options for older cottages). Beach condos, townhomes, and inland-side Beaches homes often fall within the limit and finance conventional. I confirm which applies.
Why is Nocatee so popular?+
Nocatee is one of the top-selling master-planned communities in the country, drawing families with top-rated St. Johns County schools, extensive amenities (water parks, trails, town centers), and a range of home sizes. Smaller and mid-range homes finance conventional under $832,750; larger and premium homes go jumbo. I match the program to the home.
Does Middleburg qualify for USDA zero-down?+
Much of rural Clay County around Middleburg is USDA-eligible, allowing 100% financing with no down payment, appealing for buyers who want land within reach of the Jacksonville metro and NAS Jax. It’s also a strong VA area. Eligibility is address-specific, so I verify each property, with FHA as a fallback.
Is St. Augustine a jumbo market?+
Partly. Historic-district and waterfront homes often exceed the $832,750 St. Johns conforming limit and need jumbo financing, while many homes finance conventional under it. As the nation’s oldest city with A-rated schools, St. Augustine has strong, distinctive demand. I confirm the program for the specific property.
What is the conforming loan limit in the Jacksonville area?+
The 2026 conforming (conventional) limit is $832,750 for a single-family home across Duval (Jacksonville, Jax Beach), Clay (Orange Park, Middleburg), and St. Johns (Nocatee, St. Augustine) counties. Above it, financing is jumbo. I pull the current figure from the module.
Do you finance all of Northeast Florida?+
Yes, Jacksonville, Jacksonville Beach, Orange Park, Nocatee, Middleburg, St. Augustine, and the surrounding Duval, Clay, and St. Johns county communities, for military, first-time, move-up, coastal, and rural buyers, with the honest all-in cost every time.
Emmett Clark, mortgage broker NMLS #233747

Emmett Clark — NMLS #233747

I finance across Jacksonville and Northeast Florida, a NAS Jax VA purchase, an oceanfront Jax Beach home, a Nocatee family home, or rural value in Middleburg, and I handle PCS-timed remote closings. It starts with a quick conversation.

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Buying in Jacksonville or Northeast Florida?

Tell me your situation, a NAS Jax VA purchase, an oceanfront Jax Beach home, a Nocatee family home, or rural value in Middleburg, and I'll tell you which loan fits and get you pre-approved. Quick response, no obligation.

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