St. Augustine and St. Johns County Mortgage Broker

Skyline Mortgage helps buyers and homeowners in St. Augustine, St. Augustine Beach and the rest of St. Johns County compare loan options from multiple lenders. Our office is in Palm Coast, in neighboring Flagler County, and we work with St. Johns County borrowers by phone, video and secure document upload. We do not have a St. Augustine office.

As a licensed mortgage broker (NMLS #2386002), we help you compare programs and Loan Estimates. The lender you choose underwrites, approves and funds the loan.

St. Johns County financing considerations

Flood zones on the coast and the rivers. Low-lying parts of the city, the barrier islands and areas along the Matanzas and San Sebastian rivers have flooded in past storms. Look up the exact address on the FEMA Flood Map Service Center and get a flood quote before you make an offer. If the home is in a FEMA special flood hazard area and the loan is federally backed or regulated, flood insurance is generally required. Read our Florida flood insurance guide.
Older and historic homes. Many homes in and around the historic district are decades old. Insurers often want a 4-point inspection and look closely at the roof, wiring and plumbing. Exterior changes in the city's historic districts may need design review, so check before you budget a renovation. See homeowners insurance and mortgage approval, and our rehab loans page if the home needs work.
CDDs and HOAs in newer communities. Many master-planned communities in northern and western St. Johns County have Community Development District assessments, often on the property tax bill, plus HOA dues. Both count in your payment when you qualify. Ask for the parcel's current assessment before you write an offer.
Property taxes reset after you buy. Don't budget from the seller's tax bill. See Florida property taxes after you buy.
Higher-priced areas. Some homes in Ponte Vedra, the beaches and newer communities may exceed the county conforming loan limit. See jumbo loans in Florida.
Outlying areas. Some rural parts of western and southern St. Johns County may be eligible for USDA loans. Eligibility depends on the exact address and your household income. See USDA loans in Florida.
Beach condos. Condo buildings on Anastasia Island and the beaches go through a lender review of reserves, assessments, milestone inspections and insurance. Read our Florida condo mortgage guide.
Military and veterans. Many St. Johns County buyers are veterans or serve at bases in the Jacksonville area. See VA loans in Florida.
New construction. If a builder offers incentives, compare the total cost and terms. You may choose your own lender. Building on your own lot? See construction loans.

Loan options for St. Johns County borrowers

Conventional and first-time buyer options
FHA loans
VA loans
Jumbo loans
USDA loans for eligible addresses and households
Bank statement / self-employed options
ITIN loans
DSCR loans for rental properties (business-purpose only)
Construction loans and bridge loans
HELOC and fixed home equity loans
Reverse mortgages (HECM) for homeowners 62 and older
Cash-out refinance and rate-and-term refinance

Florida guides for St. Augustine buyers

How it works from Palm Coast

Call or request a consultation. Tell us the area, the price range and your timeline.
Review documents. We list what the lender will likely need and review your income, assets and credit.
Compare options. We walk through Loan Estimates from the lenders that fit, including costs, not just the payment.
Apply, underwrite and close. You sign with a local title or closing agent, and we keep the file moving remotely.

Nearby: Jacksonville, Daytona Beach and Palm Coast. See our Florida mortgage broker page for statewide information.

Call (407) 663-4743 or contact us to talk about a St. Augustine purchase or refinance.

Frequently Asked Questions

Does Skyline Mortgage have an office in St. Augustine?

No. Our office is at 160 Cypress Point Parkway, Unit C211, Palm Coast, FL 32164, in neighboring Flagler County. We serve St. Augustine and St. Johns County borrowers from Palm Coast by phone, video and secure online document upload.

Do I need flood insurance to buy a home in St. Augustine?

If the home is in a FEMA special flood hazard area and the loan is federally backed or regulated, flood insurance is generally required. Low-lying parts of the city and the beaches have flooded in past storms, so check the address on FEMA's flood map and get a quote before you make an offer.

Can I get a mortgage on an older or historic home in St. Augustine?

Often, yes. The main hurdle is usually insurance: carriers may want a 4-point inspection and look closely at the roof and systems. Exterior changes in historic districts may need city design review, so check before you plan a renovation.

What are CDD fees in St. Johns County?

A Community Development District assessment pays for infrastructure in many newer communities. It's often billed on the property tax bill and counts in your payment when you qualify. Ask for the parcel's current assessment before you make an offer.

Is St. Johns County eligible for USDA loans?

Some rural parts of the county may be eligible, while most of the more developed areas are not. Eligibility depends on the exact address and your household income, so check the address on USDA's eligibility site.

Can I use a VA loan in St. Augustine?

Yes. We help eligible veterans and service members compare VA loans from multiple VA-approved lenders. Skyline Mortgage is not affiliated with the U.S. Department of Veterans Affairs.