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24-Hour Mortgage Brokers in Fernandina Beach, FL — Always Available
Emergencies don't keep business hours. These mortgage brokers in Fernandina Beach are available 24 hours a day, 7 days a week — including holidays.
As of May 2026, RatingsNearMe ranks 14 mortgage brokers in Fernandina Beach, FL by verified customer ratings and review volume. The highest-rated is Keith Strausburg - 8 Flags Home Loans LLC NMLS 2406016 with a 5.0-star rating from 108 verified reviews. Also in the top tier: Gateway Mortgage - Fernandina Mortgage with Paul and Capital City Home Loans. The average rating across all listed mortgage brokers in Fernandina Beach is 5 stars from 36 reviews per business on average.
Mortgage brokers in Fernandina Beach: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
14
Businesses listed
5★
Avg rating
36
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Keith Strausburg - 8 Flags Home Loans LLC NMLS 2406016
1901 Island Walkway #112, Fernandina Beach, FL 32034, USA
Gateway Mortgage - Fernandina Mortgage with Paul
308 1/2 Centre St, Fernandina Beach, FL 32034, USA
Capital City Home Loans
1884 S 14th St, Fernandina Beach, FL 32034, USA
Mortgage Brokers Rankings in Fernandina Beach, FL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Keith Strausburg - 8 Flags Home Loans LLC NMLS 24060161901 Island Walkway #112, Fernandina Beach, FL 32034, USA | 5.0★ | 108 |
| #2 | Gateway Mortgage - Fernandina Mortgage with Paul308 1/2 Centre St, Fernandina Beach, FL 32034, USA | 5.0★ | 91 |
| #3 | Capital City Home Loans1884 S 14th St, Fernandina Beach, FL 32034, USA | 5.0★ | 79 |
| #4 | Union Home Mortgage501 Centre St Suite #125, Fernandina Beach, FL 32034, USA | 5.0★ | 13 |
| #5 | CrossView Mortgage1901 Island Walkway, Fernandina Beach, FL 32034, USA | 5.0★ | 15 |
| #6 | Atlantic Mortgage Consultants1601 Nectarine St APT H7, Fernandina Beach, FL 32034, USA | 5.0★ | 2 |
| #7 | John Adams - VA & Renovation mortgage loan Specialist - #4422663 S 2nd St, Fernandina Beach, FL 32034, USA | 4.9★ | 59 |
| #8 | Elaine Ritter1333 Atlantic Ave, Fernandina Beach, FL 32034, USA | 5.0★ | 21 |
| #9 | loanDepot4800 1st Coast Hwy #60, Fernandina Beach, FL 32034, USA | 4.8★ | 24 |
| #10 | Dave Mumbauer Loan Officer iMath Group with Cornerstone First Mortgage501 Centre St Suite 123, Fernandina Beach, FL 32034, USA | 5.0★ | 22 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Fernandina Beach
Union Home Mortgage
501 Centre St Suite #125, Fernandina Beach, FL 32034, USA
CrossView Mortgage
1901 Island Walkway, Fernandina Beach, FL 32034, USA
Atlantic Mortgage Consultants
1601 Nectarine St APT H7, Fernandina Beach, FL 32034, USA
John Adams - VA & Renovation mortgage loan Specialist - #442266
3 S 2nd St, Fernandina Beach, FL 32034, USA
Elaine Ritter
1333 Atlantic Ave, Fernandina Beach, FL 32034, USA
loanDepot
4800 1st Coast Hwy #60, Fernandina Beach, FL 32034, USA
Dave Mumbauer Loan Officer iMath Group with Cornerstone First Mortgage
501 Centre St Suite 123, Fernandina Beach, FL 32034, USA
Florida Homes Realty & Mortgage
960185 Gateway Blvd STE 103, Fernandina Beach, FL 32034, USA
Jason Collins Realtor®
500 Centre St, Fernandina Beach, FL 32034, USA
Errall Sugrim - Guild Mortgage
2382 Sadler Rd Office 4, Fernandina Beach, FL 32034, USA
Paul Moerman - Gateway Mortgage
308 1/2 Centre St, Fernandina Beach, FL 32034, USA
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Frequently Asked Questions — Mortgage Brokers in Fernandina Beach
What does a mortgage broker do differently than going directly to a bank in Fernandina Beach?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Fernandina Beach?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in FL?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: May 17, 2026.
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