If you are buying or refinancing a home in St. Augustine, Florida, North Star Mortgage Network is your local independent mortgage broker. Founded by Nathan Young in 2000, we have served Northeast Florida homebuyers for over 25 years — including hundreds of St. Johns County families in St. Augustine and the surrounding communities.

St. Augustine is one of Florida's most sought-after real estate markets — offering historic charm, A-rated schools, beautiful neighborhoods, and strong property values. Whether you are buying in World Golf Village, SilverLeaf, or the historic district, we have the loan programs and wholesale lender access to get you competitive pricing.

Why St. Augustine Homebuyers Choose North Star Mortgage Network

  • No SSN required for your initial consultation
  • Same-day pre-approval in most cases
  • Direct access to Nathan Young from day one
  • Hundreds of 5-Star Google Reviews — 5.0 Stars
  • 2025 NAMB Mortgage Broker of the Year

Loan Programs Available in St. Augustine

Conventional Loans — As little as 3% down for qualified buyers.

FHA Loans — Perfect for first-time homebuyers in St. Augustine. As little as 3.5% down with flexible credit requirements.

VA Loans — 100% financing for veterans and active-duty military. No monthly mortgage insurance. We have been VA-approved since January 25, 2002.

USDA Loans — Some areas of St. Johns County may qualify for 100% USDA rural financing with no down payment required.

Jumbo Loans — Competitive jumbo programs for luxury properties in World Golf Village and coastal St. Augustine.

DSCR / Investor Loans — No personal income verification required for St. Augustine investment property investors.

Non-QM / Bank Statement Loans — Self-employed buyers can qualify using 12-24 months of bank statements.

Down Payment Assistance — First-time homebuyers may qualify for Florida DPA programs.

St. Augustine Neighborhoods We Serve

St. Augustine is really several markets wearing one name, and they do not finance the same way. I work all of them.

  • The Historic District and Lincolnville — older homes with real character and real underwriting questions. Roof age, a four-point inspection, and occasionally a historic designation all affect what an insurer will write and how an appraiser handles the file.
  • Anastasia Island and St. Augustine Beach — coastal property where flood zone and wind coverage drive the monthly payment as much as the rate does.
  • World Golf Village and King & Bear — master-planned, amenity-heavy, and a CDD community. The assessment belongs in your numbers from day one.
  • Murabella, SilverLeaf, and the CR 210 corridor — newer construction, builder incentives, and frequently another CDD.
  • St. Augustine South and St. Augustine Shores — established neighborhoods with strong value and river access.
  • Vilano Beach and North Beach — coastal and near-coastal property on the north side of the inlet.

2026 Loan Limits and What St. Augustine Homes Actually Cost

For 2026, the conforming loan limit in St. Johns County is $832,750 on a one-unit property and the FHA limit is $580,750. Veterans with full VA entitlement have no county loan limit anywhere in Florida.

The median sale price in St. Augustine was $449,485 as of late August 2026, with homes taking about 53 days to go under contract and roughly 3.3 months of supply on the market. That median sits comfortably below both the FHA and the conforming ceiling, which means the full menu is open to you here: FHA, conventional, VA, and USDA in the qualifying rural pockets of the county.

Jumbo financing generally shows up on beachfront and near-beach property, the larger World Golf Village and King & Bear homes, and the upper end of the historic district. All figures are estimates based on the information provided and subject to credit approval. Loan limits are set annually, and rates and terms are subject to change.

Old Houses, Flood Zones, and What They Do to Your Approval

Two things decide more St. Augustine closings than the interest rate, and both are insurance.

Age of the house. The historic district and Lincolnville hold some of the oldest housing stock in the country, and Florida insurers underwrite it carefully. Roof age, wiring, plumbing, and the four-point inspection determine what a carrier will write and at what price. A premium that comes back high does not just cost you money — it is escrowed, so it counts in your debt-to-income ratio and can shrink your approval.

Flood zone. On Anastasia Island, at the beach, and in parts of downtown near the bayfront, flood insurance is separate from your homeowners policy and is often required by the lender. It escrows the same way, so it lands in the same ratio.

If a home needs work, an FHA 203(k) or a conventional renovation loan can finance the purchase and the repairs together, underwritten on what the home will be worth once the work is done. That is often the right tool for an older St. Augustine property that will not pass an as-is appraisal. Program guidelines apply and all loans are subject to credit approval.

About Nathan Young — Your St. Augustine Mortgage Expert

Nathan Young (NMLS #325206) is the founder and president of North Star Mortgage Network, Inc. (NMLS #356789). He has lived and worked in Northeast Florida for over 25 years and serves St. Augustine homebuyers personally from pre-qualification through closing.

  • 2025 NAMB Mortgage Broker of the Year
  • Five Star Mortgage Professional 2024 & 2025
  • Three Best Rated — Top 3 Jacksonville Mortgage Broker 2023, 2024, 2025
  • Hundreds of 5-Star Google Reviews — 5.0 Stars

Also serving: Nocatee | Ponte Vedra Beach | Fruit Cove | World Golf Village | SilverLeaf | Jacksonville, FL

Call or text: (904) 880-6741
Email: nathan@nsmn.com
Apply online: https://356789.my1003app.com/325206/register
Get a rate quote: https://356789.my1003app.com/325206/inquiry

North Star Mortgage Network, Inc. | NMLS #356789 | Nathan Young NMLS #325206 | 12058 San Jose Blvd Suite 404, Jacksonville, FL 32223 | All loans subject to credit approval. Equal Housing Opportunity.

St. Augustine Mortgage FAQs

Do I need a jumbo loan to buy in St. Augustine?

Usually not. The 2026 conforming limit in St. Johns County is $832,750 on a one-unit home, and the St. Augustine median sale price was $449,485 in late August 2026. Most purchases here finance as conventional or FHA loans. Jumbo comes into play on beachfront property, larger World Golf Village and King & Bear homes, and the top of the historic district. I place both. Subject to credit approval.

How does flood insurance on Anastasia Island affect what I qualify for?

It reduces your buying power, sometimes significantly. Flood insurance is separate from your homeowners policy, it is escrowed with your taxes, and it counts in your debt-to-income ratio exactly like the mortgage payment. I get a flood determination and a quote early so the pre-approval you shop with reflects the real number rather than an estimate that falls apart in underwriting.

Can I finance an older home in the Historic District?

Yes, though it takes more preparation than a newer home. The two gates are insurability and appraisal. A four-point inspection and the roof age determine what a carrier will write, and an older home that will not pass an as-is appraisal may still work through an FHA 203(k) or a conventional renovation loan, which finances the purchase and the repairs together based on the after-improved value.

Are there CDD assessments in St. Augustine communities?

Yes, in several. World Golf Village, King & Bear, Murabella, SilverLeaf, and other planned communities carry Community Development District assessments that appear on your St. Johns County tax bill. Because they are billed with your taxes, they are escrowed and counted in your qualifying payment. The amount varies by community and by phase, so I pull the figure for the specific address before you make an offer.

Do you offer VA loans in St. Johns County?

Yes. North Star Mortgage Network has been VA-approved since January 25, 2002, and VA financing is one of the most common loan types I place in this county. Eligible borrowers can finance 100% with no monthly mortgage insurance, and veterans with full entitlement have no county loan limit in Florida. Program guidelines apply and all loans are subject to credit approval.

How do I get started without a credit pull?

Start with a soft pre-qualification. No Social Security number and no credit inquiry are required. Tell me your estimated credit range, gross monthly income, the price range you are considering, and what you have available for a down payment, and I will come back with a realistic payment estimate that already includes taxes, insurance, and any CDD assessment for the area you are shopping. Estimates are based on the information provided and subject to credit approval.

North Star Mortgage Network, Inc. (NMLS #356789) | Nathan Young, NMLS #325206 | 904-880-6741