FHA loans in Clay County: 3.5% down with a 580+ score, the 2026 limit of $580,750, manufactured homes, down payment help and local tips for Orange Park, Fleming Island, Middleburg and Green Cove Springs.

First-time buyer options in St. Augustine, Nocatee, World Golf Village and the rest of St. Johns County: FHA, VA, conventional 3%, Hometown Heroes, FL Assist, SHIP and how CDD fees change your budget.

FHA loans in Nassau County: 3.5% down, the 2026 limit of $580,750, condo approval on Amelia Island, flood insurance, manufactured homes and down payment help.

First-time buyer options in Nassau County: USDA $0 down in eligible areas, FHA 3.5%, VA, conventional 3%, Hometown Heroes, FL Assist and Nassau County SHIP.

Self-employed in St. Augustine, Ponte Vedra or Nocatee? Qualify with 12 or 24 months of bank statements, a P&L or 1099s instead of tax returns.

Self-employed on Amelia Island or in Yulee? Qualify for a home loan with 12 or 24 months of bank statements, a P&L or 1099s instead of tax returns.

Self-employed in Clay County? Qualify for a mortgage with 12 or 24 months of bank statements, a P&L or 1099s instead of tax returns.

Everything an out-of-state buyer needs to finance a move to Jacksonville, St. Johns, Clay, Nassau, Baker or Bradford: pre-approval from out of state, new jobs, insurance, flood zones, CDD fees, taxes, buying before selling and remote closings.

Jumbo mortgage options for Ponte Vedra Beach, Sawgrass, Marsh Landing, Old Ponte Vedra, Palencia and Nocatee luxury homes: down payment, reserves, appraisals, bank statement and interest-only options, and coastal insurance.

Mortgage options for Macclenny, Glen St. Mary, Sanderson, Starke, Lawtey, Hampton and Brooker: USDA $0 down, FHA, VA near Camp Blanding, Hometown Heroes for corrections and healthcare workers, manufactured homes and land.