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Find Mortgage Lenders Near You in Neptune Beach, FL
Browse mortgage lenders serving Neptune Beach, Florida. Contact information and addresses listed below.
2 agents listed
Updated May 2026
Neptune 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 2 mortgage lenders in Neptune 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.
Vine Lending Team
2050 Kings Cir S Suite 3N, Neptune Beach, FL 32266
9049137916
Beaches Mortgage Company
1408 Forest Ave, Neptune Beach, FL 32266
4123021919
Mortgage lenders in Neptune Beach Florida help home buyers and homeowners secure financing for residential properties. Florida law requires lenders to be licensed through the Florida Office of Financial Regulation. Local lenders understand the unique housing market in Duval County and can guide you through state-specific closing procedures.
What Does a Mortgage Lender in Neptune Beach Cost?
Typical costs for a mortgage in Florida include an origination fee of 0.5% to 1% of the loan amount, appraisal fees from $400 to $700, and title insurance averaging $1,000 to $2,000. Closing costs in Neptune Beach generally range from 2% to 5% of the purchase price. 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 documents do I need to apply for a mortgage in Neptune Beach Florida?
You typically need pay stubs, tax returns, bank statements, and a valid ID. Florida lenders also require proof of homeowners insurance before closing.
How long does the mortgage process take in Florida?
The average mortgage process in Florida takes 30 to 45 days from application to closing. Florida law allows a three day rescission period for refinances but not for purchase loans.
Are there special mortgage programs for Florida first time home buyers?
Yes, the Florida Housing Finance Corporation offers down payment assistance and low interest loans for qualified first time buyers. These programs have income and purchase price limits.
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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.