Mortgage broker in Port St. Lucie, FL — FHA, conventional, and first-time buyer programs.
Port St. Lucie is one of Florida's fastest-growing mid-size cities, attracting buyers from South Florida seeking more space and lower prices. The Treasure Coast corridor includes Stuart, Jensen Beach, Vero Beach, and Fort Pierce. Strong first-time buyer and move-up market.
Top Loan Programs in Port St. Lucie
Conventional and FHA are most active. Strong first-time buyer and USDA activity in eligible areas of the Treasure Coast corridor.
Compare loan options
Side-by-side breakdowns for the programs Port St. Lucie 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 Port St. Lucie 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 Port St. Lucie Neighborhoods
Tradition, PGA Verano, Torino, St. James Golf Club, Stuart
Frequently Asked Questions
What are the 2026 loan limits in St. Lucie County, FL?+
The 2026 conforming loan limit in St. Lucie 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 Port St. Lucie, 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 Port St. Lucie 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 Port St. Lucie?+
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 Port St. Lucie with a minimum 20–25% down payment.
Ready to buy in Port St. Lucie?
Get pre-approved in minutes — we'll follow up the same day with loan options tailored to St. Lucie County.
Nearby Florida markets
Kissimmee
Median: $365,000
Celebration
Median: $465,000
Winter Park
Median: $685,000
Lake Nona
Median: $585,000
Lakeland
Median: $295,000
Orlando
Median: $365,000
Melbourne
Median: $340,000
Vero Beach
Median: $395,000