Mortgage Broker St. Augustine FL
St. Augustine is one of Florida’s most sought-after markets — a historic coastal city in St. Johns County with strong demand from affluent primary buyers, vacation home purchasers, and real estate investors targeting short-term rental income. Lena Polnet is a Florida-licensed mortgage broker (NMLS #17225) with 28+ years of experience helping buyers close in St. Augustine’s competitive market. Call (215) 364-7171 to discuss your financing options.
Home Loans in St. Augustine FL
St. Augustine attracts a wide range of buyers, from professionals purchasing primary residences near top-rated St. Johns County schools to out-of-state buyers seeking vacation homes along the Atlantic coast. Dynamic Funding Solutions offers:
- Conventional Loans — flexible down payment options for primary residences and second homes
- Jumbo Loans — financing above conforming limits for luxury homes in Ponte Vedra, Vilano Beach, and historic downtown neighborhoods
- DSCR Loans — debt-service coverage ratio financing for vacation rentals and short-term rental properties; qualify on rental income, not personal W-2s
- Non-QM Loans — bank statement and asset depletion programs for self-employed buyers and business owners
- FHA & VA Loans — government-backed options for eligible buyers and veterans in the area
St. Augustine’s vacation rental market — particularly near the historic district, St. Augustine Beach, and Anastasia Island — makes DSCR financing an especially popular solution for investors targeting Airbnb and VRBO income.
Real Estate Investors in St. Augustine FL
St. Johns County consistently ranks among Florida’s fastest-growing and highest-income counties, making St. Augustine a prime target for real estate investors. Dynamic Funding Solutions offers investor-focused programs including:
- DSCR Loans — qualify based on the property’s projected or actual rental income (AirDNA data accepted for STR projections)
- Short-Term Rental (STR) Financing — programs designed for Airbnb and VRBO investors; no personal income documentation required
- LLC Vesting — close investment properties in an LLC for liability protection and portfolio scalability
- Portfolio Loans — finance multiple investment properties under a single structure
Call (215) 364-7171 to speak with Lena directly about investment property financing in St. Augustine.
Florida First-Time Homebuyer Programs
Eligible buyers purchasing in St. Augustine may qualify for Florida Housing Finance Corporation programs, including:
- FL Housing First Mortgage Programs — below-market interest rates for income-qualified buyers
- FL Assist Second Mortgage — up to $10,000 in down payment assistance (deferred, 0% interest)
- HFA Preferred Grant — 3–5% grant toward down payment and closing costs (no repayment required)
- Salute Our Soldiers Military Loan Program — special rates for active-duty military and veterans
Income and purchase price limits apply. Contact Lena at (215) 364-7171 to check your eligibility for St. Johns County.
Frequently Asked Questions — St. Augustine FL
- Can I use a DSCR loan to buy a short-term rental near St. Augustine Beach?
- Yes. DSCR loans are a strong fit for St. Augustine’s active vacation rental market. Lenders evaluate the property’s rental income potential — often using AirDNA projections — rather than your personal tax returns. This makes them ideal for investors purchasing near Anastasia Island and the historic district.
- What are conforming loan limits for St. Johns County in 2025?
- The 2025 conforming loan limit for St. Johns County is $806,500 for a single-family home. Properties priced above this threshold typically require a jumbo loan. Dynamic Funding Solutions offers competitive jumbo rates for St. Augustine buyers.
- Does Lena work with out-of-state buyers purchasing vacation homes in St. Augustine?
- Yes. Lena is licensed in both Pennsylvania and Florida (NMLS #17225) and regularly assists out-of-state buyers purchasing second homes and investment properties in St. Augustine. The process can be handled entirely remotely.
- DSCR (Debt-Service Coverage Ratio) — loan qualification based on rental income
- FHA Loan — Federal Housing Administration insured mortgage
- VA Loan — U.S. Department of Veterans Affairs home loan benefit
- Mortgage Broker — licensed intermediary between borrowers and lenders
- Florida Housing Finance Corporation — FL first-time buyer programs
- HUD.gov — FHA loan information and lender search
- Dynamic Funding Solutions — mortgage broker St. Augustine FL
St. Augustine is located in St. Johns County, Florida — one of the highest-income and fastest-growing counties in the state. The city’s historic district, coastal proximity, and strong tourism economy drive demand for vacation rentals, luxury homes, and primary residences alike.
Ready to get started? Contact Lena Polnet at (215) 364-7171 or visit DynamicFunding.net to apply or request a free rate quote for your St. Augustine FL home loan.
Dynamic Funding Solutions | Lena Polnet, NMLS #17225 | Company NMLS #17144 | Licensed in Pennsylvania and Florida | Equal Housing Lender