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Looking for a mortgage lender in Ponte Vedra Beach? Review the directory below to compare your options.
3 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 3 mortgage lenders 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
Dolphin Home Mortgage, Inc.
2308 Sawgrass Village Dr, Ponte Vedra Beach, FL 32082
9042809600
Mortgage lenders in Ponte Vedra Beach Florida help home buyers and homeowners secure financing for property purchases and refinancing. Florida law requires lenders to be licensed through the Nationwide Multistate Licensing System. Local lenders understand the unique real estate market in St. Johns County and can guide you through Florida specific disclosure requirements.
What Does a Mortgage Lender in Ponte Vedra Beach Cost?
Typical costs for a mortgage in Florida include an origination fee of 0.5 to 1 percent of the loan amount, appraisal fees from 400 to 700 dollars, and title insurance premiums based on the purchase price. Closing costs in Ponte Vedra Beach generally range from 2 to 5 percent of the loan amount. 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 documents do I need to apply for a mortgage in Ponte Vedra Beach?
You typically need recent pay stubs, W-2 forms, tax returns, bank statements, and a valid photo ID. Florida law also requires lenders to provide a Loan Estimate within three business days of your application.
How long does the mortgage process take in Florida?
The process usually takes 30 to 45 days from application to closing. Florida has a 7 day right of rescission for refinances on primary residences under federal law.
Are there special mortgage programs for Florida first time home buyers?
Yes, the Florida Housing Finance Corporation offers the Florida First program with down payment assistance. These programs have income limits and require completion of a home buyer education course.
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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.