St. Johns County
Ponte Vedra Beach Mortgage Broker
Jumbo financing, luxury loan options, and local expertise for Ponte Vedra buyers.
Ponte Vedra Beach is one of Northeast Florida's most prestigious addresses — home to The Players Championship, Sawgrass Country Club, TPC Sawgrass, and some of the region's highest-priced real estate. Michelle Carn works with buyers in Ponte Vedra Beach, Sawgrass Players Club, Marsh Landing, and neighboring communities, providing access to jumbo loan programs, portfolio products, and conventional financing above the conforming limit.
What to Know About Ponte Vedra Home Loans
Jumbo Loans
Many Ponte Vedra homes exceed the conforming loan limit. Michelle has access to jumbo lenders offering competitive rates and flexible guidelines for well-qualified borrowers.
Golf & Gated Communities
HOA and club membership structures in communities like Sawgrass can affect your loan. Michelle is familiar with how these are treated in the underwriting process.
Second Homes
Some Ponte Vedra buyers are purchasing a second home or seasonal residence. Loan programs for second homes have different guidelines than primary residences — Michelle can walk you through the differences.
Luxury Move-Up Buyers
Michelle frequently works with buyers who own a primary residence elsewhere and are upgrading or adding a coastal property. She can help with concurrent transaction timing and cash-out options.
Loan Programs Available in Ponte Vedra
As an independent mortgage broker, Michelle shops 30+ lenders to find the program that fits your situation — not a preset product menu. Contact her to discuss which loan type makes sense for your goals.
Frequently Asked Questions — Ponte Vedra
What counts as a jumbo loan in Ponte Vedra?
For 2026, the conforming loan limit is $806,500 for a single-family home in most Florida counties. Loans above that amount are jumbo and follow different guidelines.
Are interest rates higher on jumbo loans?
Not necessarily. Jumbo rates can be competitive with or even below conforming rates depending on the lender and your loan profile. Getting quotes from multiple lenders — which Michelle does for you — matters a lot at this price point.
Other markets Michelle serves:
Michelle Carn | NMLS #917862 | First Coast Mortgage Funding LLC | NMLS #1953441. Information is presented for informational purposes only and is not a commitment to lend. All loans subject to credit approval. Equal Housing Opportunity.