St. Johns County
St. Augustine & St. Johns County Mortgage Broker
From the historic district to Nocatee — local lending expertise across all of St. Johns County.
St. Johns County consistently ranks among the fastest-growing counties in Florida and the nation — driven by top-rated schools, coastal access, and master-planned communities like Nocatee and Beachwalk. Whether you're buying in the historic heart of St. Augustine, on Anastasia Island, or in a new construction community north or south of the city, Michelle Carn has the local knowledge and lender access to help you navigate it.
What to Know About St. Augustine Home Loans
New Construction
St. Johns County is loaded with active new construction communities. Michelle works directly with buyers in builder contracts, helping them understand builder-preferred lender arrangements and ensuring they're comparing options fairly.
Nocatee & Master-Planned Communities
Nocatee's HOA and community structure can affect your loan depending on the property type and phase. Michelle is familiar with the nuances of lending in large planned communities.
Anastasia Island & Waterfront
Homes on or near the water often require flood insurance, which affects your monthly payment estimate. Michelle helps buyers understand the full cost picture before they commit.
Relocation Buyers
Many St. Johns County buyers are relocating from out of state. Michelle regularly works with buyers who are still under contract on a home elsewhere, handling the timing and contingencies that come with a two-transaction move.
Loan Programs Available in St. Augustine
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 — St. Augustine
Are St. Johns County home prices higher than Jacksonville?
Generally yes. St. Johns County's strong school district and coastal appeal push median prices above Duval County. That said, loan programs like VA and conventional with 5–10% down are still widely used here.
Can I get a USDA loan in St. Johns County?
Some areas of St. Johns County qualify for USDA rural development loans. Eligibility is based on the specific property address and household income. Michelle can help you check eligibility quickly.
I'm buying new construction — does the builder's lender give me a better deal?
Not always. Builder lenders offer incentives tied to specific conditions. Michelle recommends getting an independent quote to compare before committing. In many cases the incentive doesn't outweigh the difference in terms.
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.