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Compare FHA Loan Specialists in Fernandina Beach, FL
Looking for a fha loan specialist in Fernandina Beach? Review the directory below to compare your options.
15 agents listed
Updated May 2026
Fernandina Beach, FL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Florida before hiring.
Showing 15 fha loan specialists in Fernandina Beach, FL
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Keith Strausburg - 8 Flags Home Loans LLC NMLS 2406016
1901 Island Walkway #112, Fernandina Beach, FL 32034
9047894880
Gateway Mortgage - Fernandina Mortgage with Paul
308 1/2 Centre St, Fernandina Beach, FL 32034
9049905075
Capital City Home Loans
1884 S 14th St, Fernandina Beach, FL 32034
9043014492
John Adams - VA & Renovation mortgage loan Specialist - #442266
3 S 2nd St, Fernandina Beach, FL 32034
9046395571
loanDepot
4800 1st Coast Hwy #60, Fernandina Beach, FL 32034
9046395571
Dave Mumbauer Loan Officer iMath Group with Cornerstone First Mortgage
501 Centre St Suite 123, Fernandina Beach, FL 32034
9045836901
Elaine Ritter
1333 Atlantic Ave, Fernandina Beach, FL 32034
9045761672
CrossView Mortgage
1901 Island Walkway, Fernandina Beach, FL 32034
9043259008
Ruben Perez at Loan Depot
3 S 2nd St, Fernandina Beach, FL 32034
3107210079
Union Home Mortgage
501 Centre St Suite #125, Fernandina Beach, FL 32034
9046183117
Paul Moerman
3 S 2nd St, Fernandina Beach, FL 32034
9049905075
Atlantic Mortgage Consultants
1601 Nectarine St APT H7, Fernandina Beach, FL 32034
9042060189
Bank of America Home Mortgage
1830 S 8th St, Fernandina Beach, FL 32034
9044913371
Jeff Zimmerman - Regions Mortgage Loan Officer
1409 Sadler Rd, Fernandina Beach, FL 32034
9042341740
Paul Moerman - Gateway Mortgage
308 1/2 Centre St, Fernandina Beach, FL 32034
9049905075
FHA loan specialists in Fernandina Beach help homebuyers navigate federally insured mortgages with lower down payments. Florida law requires all mortgage loan originators to be licensed through the Florida Office of Financial Regulation. Local specialists understand Nassau County property values and can guide you through FHA appraisal requirements specific to coastal areas.
What Does a FHA Loan Specialist in Fernandina Beach Cost?
Typical costs for FHA loan services in Florida include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual mortgage insurance premium of 0.55 to 0.85 percent. Lender origination fees usually range from 0.5 to 1.5 percent of the loan amount. Appraisal fees in Fernandina Beach average $500 to $700. These costs vary by lender and borrower situation. This is general information not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What are the FHA loan limits for Fernandina Beach Florida?
For 2025 the FHA loan limit for a single family home in Nassau County is $524,225. This limit applies to most areas and is set by the Department of Housing and Urban Development.
Do I need a Florida specific license to originate FHA loans?
Yes all mortgage loan originators in Florida must hold a valid license from the Florida Office of Financial Regulation. They also must pass a national exam and complete annual continuing education.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Florida.