Local Pros · St. Augustine
Local Mortgage Brokers in St. Augustine, FL
Locally owned and operated mortgage brokers serving St. Augustine and the surrounding area. Supporting local businesses means faster response and accountability.
As of May 2026, RatingsNearMe ranks 18 mortgage brokers in St. Augustine, FL by verified customer ratings and review volume. The highest-rated is Coast2Coast Mortgage Lending with a 4.9-star rating from 404 verified reviews. Also in the top tier: Packo Financial Group and HMA Mortgage. The average rating across all listed mortgage brokers in St. Augustine is 5 stars from 49 reviews per business on average.
Mortgage brokers in St. Augustine: 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
18
Businesses listed
5★
Avg rating
49
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Coast2Coast Mortgage Lending
125 B King St, St. Augustine, FL 32084, USA
Packo Financial Group
101 Whitehall Dr STE 101, St. Augustine, FL 32086, USA
HMA Mortgage
2730 US-1 STE J, St. Augustine, FL 32086, USA
Mortgage Brokers Rankings in St. Augustine, FL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Coast2Coast Mortgage Lending125 B King St, St. Augustine, FL 32084, USA | 4.9★ | 404 |
| #2 | Packo Financial Group101 Whitehall Dr STE 101, St. Augustine, FL 32086, USA | 5.0★ | 98 |
| #3 | HMA Mortgage2730 US-1 STE J, St. Augustine, FL 32086, USA | 4.9★ | 63 |
| #4 | St. Augustine Mortgage | Fidelity Home Group100 Island Cottage Way, St. Augustine, FL 32080, USA | 5.0★ | 8 |
| #5 | RMG Mortgage Group LLC2085 A1A S #204, St. Augustine, FL 32080, USA | 4.9★ | 62 |
| #6 | Union Home Mortgage108 Sea Grove Main St suite c, St. Augustine, FL 32080, USA | 5.0★ | 26 |
| #7 | First Home Equity Loans88 Riberia St #150, St. Augustine, FL 32084, USA | 5.0★ | 5 |
| #8 | Austin Ross -Mortgage Broker125 B King St, St. Augustine, FL 32084, USA | 5.0★ | 8 |
| #9 | CBGC Mortgage405 Lake Monroe Pl, St. Augustine, FL 32092, USA | 4.8★ | 38 |
| #10 | Jaren Woeppel Motto Mortgage Invictus9 Ct Theophelia, St. Augustine, FL 32084, USA | 5.0★ | 36 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in St. Augustine
St. Augustine Mortgage | Fidelity Home Group
100 Island Cottage Way, St. Augustine, FL 32080, USA
RMG Mortgage Group LLC
2085 A1A S #204, St. Augustine, FL 32080, USA
Union Home Mortgage
108 Sea Grove Main St suite c, St. Augustine, FL 32080, USA
First Home Equity Loans
88 Riberia St #150, St. Augustine, FL 32084, USA
Austin Ross -Mortgage Broker
125 B King St, St. Augustine, FL 32084, USA
CBGC Mortgage
405 Lake Monroe Pl, St. Augustine, FL 32092, USA
Jaren Woeppel Motto Mortgage Invictus
9 Ct Theophelia, St. Augustine, FL 32084, USA
Antionette Jarrett - Certified Veteran Mortgage Advisor - Coast2Coast Mortgage Lending
93 1/2 King St, St. Augustine, FL 32084, USA
Mortgage Market Inc
3770 US-1, St. Augustine, FL 32086, USA
Bethany Butler NMLS 67095 Coast2Coast Mortgage Lending
125 B King St, St. Augustine, FL 32084, USA
Carmen Richardson NMLS# 375570 - Coast2Coast Mortgage Lending
93 1/2 King St, St. Augustine, FL 32084, USA
Donna McGee - Union Home Mortgage
108 Sea Grove Main St suite c, St. Augustine, FL 32080, USA
On Q Home Loans | St. Augustine
975 S Ponce De Leon Blvd Suite E, St. Augustine, FL 32084, USA
Coast2Coast Mortgage Lending | Eric Marques
93 1/2 King St, St. Augustine, FL 32084, USA
Loan Officer - 912272
93 King St, St. Augustine, FL 32084, USA
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Frequently Asked Questions — Mortgage Brokers in St. Augustine
What does a mortgage broker do differently than going directly to a bank in St. Augustine?
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 St. Augustine?
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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