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Compare FHA Loan Specialists in Ponte Vedra Beach, FL
Compare fha loan specialists in Ponte Vedra Beach. Review contact information and insurance categorys before you decide.
4 agents listed
Updated May 2026
Ponte Vedra 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 4 fha loan specialists in Ponte Vedra 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.
First Down Mortgage
820 A1A N suite w-4, Ponte Vedra Beach, FL 32082
9043330390
Atlantic Trust Mortgage
466 Town Plaza Ave Suite 320, Ponte Vedra Beach, FL 32081
9045538988
John O'Connor at Prosperity Home Mortgage - Ponte Vedra Beach
333 Village Main St #670, Ponte Vedra Beach, FL 32082
9043494376
The Mortgage Lady Team-Fairway Independent Mortgage Corporation
111 Solana Rd STE B, Ponte Vedra Beach, FL 32082
9042854610
An FHA loan specialist in Ponte Vedra Beach helps home buyers navigate government-backed mortgages with lower down payments. In Florida, FHA loans require a minimum 3.5 percent down payment and an upfront mortgage insurance premium of 1.75 percent. Local specialists understand the unique housing market in St. Johns County and can guide borrowers through Florida specific property appraisal rules.
What Does a FHA Loan Specialist in Ponte Vedra Beach Cost?
Typical costs for an FHA loan in Florida include an upfront mortgage insurance premium of 1.75 percent of the loan amount added to the loan balance. Annual mortgage insurance premiums range from 0.45 to 1.05 percent of the loan amount depending on loan term and down payment. Closing costs in Ponte Vedra Beach often range from 3 to 5 percent of the purchase price including lender fees appraisal and title insurance. This is general information and 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 credit score is needed for an FHA loan in Ponte Vedra Beach?
The minimum credit score for an FHA loan in Florida is 580 with a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. Each lender may set higher requirements.
Are there Florida specific FHA loan limits for Ponte Vedra Beach?
Yes, FHA loan limits vary by county. For St. Johns County in 2024 the single family home limit is $498,257. Higher limits apply for duplexes triplexes and four unit properties.
How long does an FHA loan approval take in Florida?
Typical FHA loan processing in Florida takes 30 to 45 days from application to closing. Delays can occur if the property needs repairs required by FHA appraisal standards. Florida law requires a 7 day right of rescission for refinances.
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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.