Mortgage broker in St. Augustine, FL — conventional, VA, and jumbo loans in St. Johns County.
St. Augustine is America's oldest city and anchors St. Johns County, one of Florida's fastest-growing and most affluent counties. Nocatee, Ponte Vedra Beach, and the St. Johns County school district are major draws for families relocating from Jacksonville and other markets.
Top Loan Programs in St. Augustine
Conventional dominates in this higher-income county. Strong move-up and luxury market. VA active for Jacksonville military buyers purchasing in St. Johns County.
Compare loan options
Side-by-side breakdowns for the programs St. Augustine buyers weigh most often.
- FHA vs. Conventional →Down payment, credit, and mortgage insurance trade-offs.
- VA vs. FHA →Two low-down-payment options — which one costs less.
Buying in St. Augustine from Out of State?
We're licensed in both Colorado and Florida — one broker, both states. Most of our Florida clients close fully remotely with e-sign and mobile notary. No office visit required.
Popular St. Augustine Neighborhoods
Nocatee, Ponte Vedra Beach, World Golf Village, Anastasia Island, St. Augustine Beach
Frequently Asked Questions
What are the 2026 loan limits in St. Johns County, FL?+
The 2026 conforming loan limit in St. Johns County is $832,750. The FHA limit is $541,287. VA loans have no county loan limit for borrowers with full entitlement. Loans above the conforming limit require jumbo financing.
What down payment do I need to buy in St. Augustine, FL?+
Down payment requirements depend on the loan: 0% for VA and USDA (where eligible), 3.5% for FHA, 3–5% for conventional first-time buyers, 10–20% for jumbo loans, and 20–25% for DSCR investor loans.
Can I get a mortgage in St. Augustine if I live in Colorado?+
Yes — Tayton Capital is licensed in both Colorado and Florida. We close fully remote using e-sign and mobile notary at closing. Most out-of-state buyers never need to visit our office.
Does Tayton Capital do DSCR loans in St. Augustine?+
Yes. DSCR loans qualify based on the property's rental income — not your W-2 or tax returns. They're available for single-family, condos, and 2–4 unit properties in St. Augustine with a minimum 20–25% down payment.
Ready to buy in St. Augustine?
Get pre-approved in minutes — we'll follow up the same day with loan options tailored to St. Johns County.