The Fernandina Beach Market
Fernandina Beach is a growing Nassau County community with active mortgage demand. The 2026 conforming loan limit is $832,750 and the FHA limit is $580,750, covering most Fernandina Beach purchase scenarios.
Northeast Florida · Nassau County
Mortgage Broker in Fernandina Beach, FL — Nassau County
Fernandina Beach is a growing Nassau County community with active mortgage demand.
Median Price
$685,000
Conforming Limit
$832,750
FHA Limit
$580,750
Top Programs
Conventional, FHA, VA
2026 Loan Limits — 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 $580,750, or $39,463 above Florida's $541,287 floor, giving FHA buyers meaningfully more purchasing power than buyers in most Florida markets.
| Loan Type | 2026 Limit |
|---|---|
| Conforming | $832,750 |
| FHA | $580,750 |
| VA | No limit (full entitlement) |
| Jumbo | Above $832,750 |
Top Loan Programs in Fernandina Beach
Buying in Fernandina Beach 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.
Frequently Asked Questions
What are the 2026 loan limits in Nassau County, FL?+
The 2026 conforming loan limit in Nassau County is $832,750. The FHA limit is $580,750. 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 Fernandina Beach, 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 Fernandina Beach 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 Fernandina Beach?+
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 Fernandina Beach with a minimum 20–25% down payment.
Ready to buy in Fernandina Beach?
Get pre-approved in minutes — we'll follow up the same day with loan options tailored to Nassau County.