Your complete guide to mortgage loans in Northeast Florida, Florida. Local programs, loan limits, and market data for Duval, St. Johns, Clay, and Nassau counties.
Written by Renzo Johnson, Licensed MLO · NMLS #PENDING · Last updated: February 2026
- FHA, VA, USDA, and conventional loans available in Northeast Florida
- Florida Hometown Heroes: up to 5% DPA (all 67 counties)
- County-specific down payment assistance for Duval, St. Johns, Clay, and Nassau counties
- Current FHA loan limits for Duval, St. Johns, Clay, and Nassau counties
- Local housing market data for Northeast Florida
- Flood zone information and insurance requirements
- Bilingual service available — Hablamos Español
- Get a free Northeast Florida mortgage quote