Licensed · Fernandina Beach
Licensed & Insured Mortgage Brokers in Fernandina Beach, FL
Every mortgage brokers listed here carries proper licensing and insurance in FL. Protect yourself — always verify credentials before work begins.
As of June 2026, RatingsNearMe ranks 14 mortgage brokers in Fernandina Beach, FL by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Keith Strausburg - 8 Flags Home Loans LLC NMLS 2406016 with a 5.0-star rating from 108 Google reviews and an RNM Score of 84/100. 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 June 10, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Fernandina Beach, FL is home to a variety of mortgage brokers who can assist consumers with finding the right home loan. When searching for a local mortgage broker, consumers should consider factors such as experience, customer reviews, and the range of loan programs offered.
- ✓Mortgage brokers in Fernandina Beach can help consumers navigate the home loan process and find the best financing options
- ✓Consumers should research a broker's experience, customer reviews, and loan program offerings when selecting a local mortgage provider
- ✓Prominent mortgage brokers in Fernandina Beach include loanDepot, Florida Homes Realty & Mortgage, and Gateway Mortgage
How to Choose a Mortgage Broker in Fernandina Beach
What to look for
- • Experience and expertise in the Fernandina Beach, FL real estate market
- • Strong communication and customer service skills
- • Transparent fees and costs upfront
- • Ability to provide a variety of loan options to fit your needs
Questions to ask
- • How long have you been a mortgage broker in Fernandina Beach?
- • What types of loans do you typically work with?
- • Can you provide a detailed breakdown of all fees and costs associated with the loan?
- • How will you communicate with me throughout the process?
Red flags
- ⚠ Unwillingness to provide references or testimonials
- ⚠ Pressure to use specific lenders or services
- ⚠ Lack of transparency around fees and costs
In Florida, mortgage brokers must be licensed by the Office of Financial Regulation. Be sure to verify the broker's license and check for any disciplinary actions or complaints.
Local Market Snapshot
14
Businesses listed
5★
Avg rating
36
Avg reviews
Jun 10, 2026
Last updated
Top Rated Mortgage Brokers
Fernandina Beach mortgage broker with a 5.0-star rating from over 100 reviews.
1901 Island Walkway #112, Fernandina Beach, FL 32034, USAFernandina Beach mortgage broker with a perfect 5.0★ rating from 91 reviews.
308 1/2 Centre St, Fernandina Beach, FL 32034, USA79 Google reviews average 5.0 stars, reflecting exceptional local client satisfaction.
1884 S 14th St, Fernandina Beach, FL 32034, USAMortgage 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 | Florida Homes Realty & Mortgage960185 Gateway Blvd STE 103, Fernandina Beach, FL 32034, USA | 5.0★ | 1 |
| #5 | John Adams - VA & Renovation mortgage loan Specialist - #4422663 S 2nd St, Fernandina Beach, FL 32034, USA | 4.9★ | 59 |
| #6 | Jason Collins Realtor®500 Centre St, Fernandina Beach, FL 32034, USA | 5.0★ | 27 |
| #7 | loanDepot4800 1st Coast Hwy #60, Fernandina Beach, FL 32034, USA | 4.8★ | 24 |
| #8 | Elaine Ritter1333 Atlantic Ave, Fernandina Beach, FL 32034, USA | 5.0★ | 21 |
| #9 | CrossView Mortgage1901 Island Walkway, Fernandina Beach, FL 32034, USA | 5.0★ | 15 |
| #10 | Union Home Mortgage501 Centre St Suite #125, Fernandina Beach, FL 32034, USA | 5.0★ | 13 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Fernandina Beach
Exceptional 5.0-star rating based on a small number of customer reviews.
960185 Gateway Blvd STE 103, Fernandina Beach, FL 32034, USA
Fernandina Beach mortgage broker with a 4.9-star rating from 59 Google reviews.
3 S 2nd St, Fernandina Beach, FL 32034, USA
5.0 stars from 27 reviews, reflecting exceptional local client satisfaction.
500 Centre St, Fernandina Beach, FL 32034, USA
Fernandina Beach mortgage broker with a 4.8-star rating from 24 reviews.
4800 1st Coast Hwy #60, Fernandina Beach, FL 32034, USA
Exceptional 5.0-star rating from 21 reviews for mortgage services in Fernandina Beach.
1333 Atlantic Ave, Fernandina Beach, FL 32034, USA
A trusted local mortgage broker with a perfect 5.0-star rating from over a dozen reviews.
1901 Island Walkway, Fernandina Beach, FL 32034, USA
Rated 5.0 stars from 13 Google reviews for mortgage services in Fernandina Beach.
501 Centre St Suite #125, Fernandina Beach, FL 32034, USA
5.0 stars from 5 Google reviews, reflecting exceptional local client satisfaction.
2382 Sadler Rd Office 4, Fernandina Beach, FL 32034, USA
Exceptional 5.0-star rating from two Google reviews for local mortgage help.
1601 Nectarine St APT H7, Fernandina Beach, FL 32034, USA
No customer reviews yet; contact this Fernandina Beach mortgage broker for more details.
308 1/2 Centre St, Fernandina Beach, FL 32034, USA
Fernandina Beach mortgage broker with a perfect 5.0-star rating from 22 Google reviews.
501 Centre St Suite 123, Fernandina Beach, FL 32034, USA
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Mortgage Brokers in Fernandina Beach, FL — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Keith Strausburg - 8 Flags Home Loans LLC NMLS 2406016 | 84/100 | 5.0 ★ | 108 |
| 2 | Gateway Mortgage - Fernandina Mortgage with Paul | 83/100 | 5.0 ★ | 91 |
| 3 | Capital City Home Loans | 82/100 | 5.0 ★ | 79 |
| 4 | Florida Homes Realty & Mortgage | 62/100 | 5.0 ★ | 1 |
| 5 | John Adams - VA & Renovation mortgage loan Specialist - #442266 | 79/100 | 4.9 ★ | 59 |
| 6 | Jason Collins Realtor® | 76/100 | 5.0 ★ | 27 |
| 7 | loanDepot | 72/100 | 4.8 ★ | 24 |
| 8 | Elaine Ritter | 75/100 | 5.0 ★ | 21 |
| 9 | CrossView Mortgage | 73/100 | 5.0 ★ | 15 |
| 10 | Union Home Mortgage | 73/100 | 5.0 ★ | 13 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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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: June 10, 2026.
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