Pricing Guide · Fernandina Beach
Mortgage Brokers Cost in Fernandina Beach, FL — 2026 Price Guide
What should you pay for mortgage brokers in Fernandina Beach? See real 2026 price ranges from local pros and get free quotes to compare.
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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