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Mortgage Lenders in Green Cove Springs, FL

Directory of mortgage lenders in Green Cove Springs, Florida. Verify credentials with the state state mortgage licensing authority before hiring.

2 agents listed
Updated June 2026
Green Cove Springs, 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 State Mortgage Licensing Authority of Florida before hiring.
Showing 2 mortgage lenders in Green Cove Springs, 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.
VyStar Credit Union
601 N Orange Ave, Green Cove Springs, FL 32043
(904) 594-5495 vystarcu.org
ATLANTIC PROPERTY BUYERS
704 Governors Cir, Green Cove Springs, FL 32043
(904) 999-1234 atlanticpropertybuyers.com

Mortgage lenders in Green Cove Springs Florida help home buyers and homeowners secure financing for residential properties. Florida law requires lenders to be licensed through the Office of Financial Regulation and to follow specific disclosure rules under the Florida Mortgage Brokerage Act. Local lenders understand the unique real estate market in Clay County and the St. Johns River area.

What Does a Mortgage Lender in Green Cove Springs Cost?

Typical costs for a mortgage lender in Florida include an origination fee of 0.5 to 1 percent of the loan amount, an appraisal fee of 400 to 700 dollars, and title insurance costs of 500 to 1,500 dollars. Closing costs generally total 2 to 5 percent of the purchase price. Florida also charges documentary stamp taxes on the promissory note and deed. These costs vary by loan type and lender. 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 license does a mortgage lender need in Florida?
Mortgage lenders in Florida must hold a valid license from the Florida Office of Financial Regulation. They must also register with the Nationwide Multistate Licensing System and Registry. This ensures they meet state education and background check requirements.
How long does a Florida mortgage loan application take?
A typical mortgage loan application in Florida takes 30 to 45 days from application to closing. Factors like property appraisal and title search can affect this timeline. Florida law does not set a maximum time limit but requires timely disclosure of loan terms.
Are there special mortgage programs for Florida first time buyers?
Yes, the Florida Housing Finance Corporation offers programs like the Florida First and Florida HFA Preferred for first time buyers. These programs provide down payment assistance and competitive interest rates. Eligibility depends on income limits and property location.