Top Picks · Ponte Vedra Beach
Best Mortgage Brokers in Ponte Vedra Beach, FL
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of July 2026, RatingsNearMe ranks 12 mortgage brokers in Ponte Vedra Beach, FL by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Atlantic Trust Mortgage with a 5.0-star rating from 171 Google reviews and an RNM Score of 86/100. Also in the top tier: North Florida Mortgage and John O'Connor at Prosperity Home Mortgage - Ponte Vedra Beach. The average rating across all listed mortgage brokers in Ponte Vedra Beach is 5 stars from 36 reviews per business on average.
Mortgage brokers in Ponte Vedra Beach: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
The Mortgage Lady Team-Fairway Independent Mortgage Corporation
This team consistently ranks highest in Ponte Vedra Beach due to exceptional customer service, competitive rates, and a proven track record of smooth closings.
Most Reviewed
The Mortgage Lady Team-Fairway Independent Mortgage Corporation
A high number of reviews signals strong customer trust and satisfaction, making it a reliable choice for borrowers.
When choosing a mortgage broker, compare at least three options and read recent reviews to ensure they are responsive and transparent. Also verify that the broker has experience with local market conditions and property types in Ponte Vedra Beach.
Local Market Snapshot
12
Businesses listed
5★
Avg rating
36
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Trusted by hundreds with a flawless 5.0★ rating from local clients.
466 Town Plaza Ave Suite 320, Ponte Vedra Beach, FL 32081, USAExceptional 5.0-star rating from 41 local Google reviews.
13400 Sutton Park Dr S Suite 1001, Jacksonville, FL 32224, USAExceptional 5.0-star rating from thirty-three Google reviews in Ponte Vedra Beach.
333 Village Main St #670, Ponte Vedra Beach, FL 32082, USAMortgage Brokers Rankings in Ponte Vedra Beach, FL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Atlantic Trust Mortgage466 Town Plaza Ave Suite 320, Ponte Vedra Beach, FL 32081, USA | 5.0★ | 171 |
| #2 | North Florida Mortgage13400 Sutton Park Dr S Suite 1001, Jacksonville, FL 32224, USA | 5.0★ | 41 |
| #3 | John O'Connor at Prosperity Home Mortgage - Ponte Vedra Beach333 Village Main St #670, Ponte Vedra Beach, FL 32082, USA | 5.0★ | 33 |
| #4 | Navigator Mortgage Inc.2307 Sawgrass Village Dr, Ponte Vedra Beach, FL 32082, USA | 4.8★ | 33 |
| #5 | Dolphin Home Mortgage, Inc.2308 Sawgrass Village Dr, Ponte Vedra Beach, FL 32082, USA | 5.0★ | 26 |
| #6 | The Mortgage Lady Team-Fairway Independent Mortgage Corporation111 Solana Rd STE B, Ponte Vedra Beach, FL 32082, USA | 5.0★ | 16 |
| #7 | Karen H Chartier | Fairway Independent Mortgage Corporation Loan Officer111 Solana Rd STE B, Ponte Vedra Beach, FL 32082, USA | 5.0★ | 5 |
| #8 | Susan Edmonds, Mortgage Loan Officer - First Horizon Bank250 A1A N, Ponte Vedra Beach, FL 32082, USA | 5.0★ | 3 |
| #9 | Fifth Third Mortgage - Denise Lorber500 A1A N, Ponte Vedra Beach, FL 32082, USA | 5.0★ | 1 |
| #10 | Bright Vision Mortgage NMLS #111-C Solana Rd A, Ponte Vedra Beach, FL 32082, USA | — | — |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Ponte Vedra Beach
Trusted by dozens of clients with a 4.8-star rating on Google.
2307 Sawgrass Village Dr, Ponte Vedra Beach, FL 32082, USA
5.0 stars from 26 Google reviews, reflecting exceptional client satisfaction.
2308 Sawgrass Village Dr, Ponte Vedra Beach, FL 32082, USA
5.0 stars from 16 reviews, reflecting exceptional client satisfaction.
111 Solana Rd STE B, Ponte Vedra Beach, FL 32082, USA
Exceptional 5.0-star rating from five Google reviews for a local mortgage broker.
111 Solana Rd STE B, Ponte Vedra Beach, FL 32082, USA
Exceptional 5.0-star rating from a limited number of Google reviews.
250 A1A N, Ponte Vedra Beach, FL 32082, USA
Consistently earns a perfect 5.0-star rating from its handful of Google reviews.
500 A1A N, Ponte Vedra Beach, FL 32082, USA
This business has no Google reviews yet, so its reputation is unrated.
111-C Solana Rd A, Ponte Vedra Beach, FL 32082, USA
A Ponte Vedra Beach mortgage broker with no customer reviews yet for consideration.
250 A1A N Suite 300, Ponte Vedra Beach, FL 32082, USA
Exceptional 5.0-star rating from 26 Google reviews for a Ponte Vedra Beach mortgage broker.
Mortgage Mike, 315 11th Ave N, Jacksonville Beach, FL 32250, USA
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Mortgage Brokers in Ponte Vedra Beach, FL — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Atlantic Trust Mortgage | 86/100 | 5.0 ★ | 171 |
| 2 | North Florida Mortgage | 79/100 | 5.0 ★ | 41 |
| 3 | John O'Connor at Prosperity Home Mortgage - Ponte Vedra Beach | 77/100 | 5.0 ★ | 33 |
| 4 | Navigator Mortgage Inc. | 74/100 | 4.8 ★ | 33 |
| 5 | Dolphin Home Mortgage, Inc. | 76/100 | 5.0 ★ | 26 |
| 6 | The Mortgage Lady Team-Fairway Independent Mortgage Corporation | 74/100 | 5.0 ★ | 16 |
| 7 | Karen H Chartier | Fairway Independent Mortgage Corporation Loan Officer | 68/100 | 5.0 ★ | 5 |
| 8 | Susan Edmonds, Mortgage Loan Officer - First Horizon Bank | 66/100 | 5.0 ★ | 3 |
| 9 | Fifth Third Mortgage - Denise Lorber | 62/100 | 5.0 ★ | 1 |
| 10 | Bright Vision Mortgage NMLS # | 3/100 | — | 0 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Mortgage Brokers in Ponte Vedra Beach
What does a mortgage broker do differently than going directly to a bank in Ponte Vedra 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 Ponte Vedra 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: July 4, 2026.
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