Fernandina Beach · Nassau County

Mortgage Broker in Fernandina Beach, Nassau County, Florida

2026 Loan Limits in Fernandina Beach, Nassau County

The 2026 conforming loan limit in Nassau County is $832,750 — Florida's standard baseline — which covers the majority of Fernandina Beach purchases. Nassau County's FHA limit is $604,900, or $63,613 above Florida's $541,287 floor, giving FHA buyers meaningfully more purchasing power than buyers in most Florida markets.

Loan Programs Available

Conventional

Fannie Mae and Freddie Mac financing up to $832,750 in Nassau County — primary, second home, and investment.

FHA

3.5% down, flexible credit, no income cap. Fernandina Beach's 2026 FHA ceiling: $604,900.

DSCR

Investment property financing that qualifies on rental income — no personal income documentation required. Common in Fernandina Beach for long-term rentals and small multi-unit properties.

Jumbo & Non-QM

For loans above the conforming ceiling, bank statement, P&L, asset depletion, and foreign national programs are available.

Local Market Notes

Nassau County elevated FHA; Amelia Island; historic downtown; second home and primary market.

Frequently Asked Questions

What is the 2026 conforming loan limit in Fernandina Beach, Florida?

Fernandina Beach sits in Nassau County, where the 2026 conforming loan limit is $832,750. Loans up to that amount are eligible for Fannie Mae or Freddie Mac financing; anything above is jumbo territory.

What is the 2026 FHA loan limit in Fernandina Beach?

The 2026 FHA loan limit in Nassau County is $604,900 for a single-family home. FHA financing allows 3.5% down with flexible credit and no income cap.

What loan programs does Tayton Capital offer in Fernandina Beach?

We offer conventional, FHA, VA, DSCR, jumbo, and Non-QM (bank statement, P&L, asset depletion, foreign national) financing in Fernandina Beach and throughout Florida.