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Mortgages in Nassau County, Florida

Nassau County is Florida's northeast corner, from Amelia Island and historic Fernandina Beach to Yulee, Callahan and Hilliard. It mixes beach and resort communities, fast-growing new neighborhoods and rural land, and we help buyers, homeowners and investors across the county.

The area at a glance

  • Nassau County has its own property tax rates and its own property appraiser. Check the Nassau County Property Appraiser's website for the home you are considering, because the payment can differ from the same price in nearby counties.
  • Amelia Island and the coast bring flood and wind exposure. Lenders require flood insurance in high-risk flood zones, and wind coverage can be a major cost, so get insurance quotes before you make an offer.
  • Many buyers on Amelia Island purchase second homes or vacation properties. Second-home loans often need a larger down payment than a primary residence, and investment-property loans have their own rules, so tell your loan officer how you will use the home.
  • Newer communities around Yulee and the western parts of the county are growing. As elsewhere in Northeast Florida, HOA dues and, in some communities, CDD fees can add to the monthly cost.

Typical property types

  • Single-family homes

    The most common purchase, from historic homes in Fernandina Beach to new communities in Yulee. Conventional, FHA and VA programs can all fit, depending on the buyer and the property.

  • Condos and beach properties

    Common on Amelia Island. Lenders review the association's budget, reserves and insurance, and some condos need specific loan programs. Ask for the condo documents early.

  • Second homes and vacation rentals

    Second-home and investment loans can differ in down payment and pricing. Short-term rental rules vary by city, community and HOA, so confirm them before you buy.

  • Rural land and homes

    Parts of Callahan and Hilliard are rural. Some areas may be eligible for USDA loans, and homes may use a well or septic system that the lender will want inspected.

Local closing cost notes

  • On a purchase loan, the buyer usually pays Florida's documentary stamp tax on the mortgage ($0.35 per $100 of the loan) and the intangible tax (0.2% of the loan).
  • Who pays for the owner's title insurance policy varies by county and by contract, so check your contract.
  • Florida property taxes are paid in arrears, so expect a deposit toward property taxes at closing if your loan has an escrow account.
  • If the home will be your primary residence, you can apply for the Florida homestead exemption with the Nassau County Property Appraiser. You must own and live in the home on January 1 and apply by March 1 to qualify for that tax year.
Florida closing costs →Payment & affordability →Debt-to-income →

Buying or refinancing in Nassau County, Florida?

Talk to a licensed loan officer. No obligation, and no credit check for the first conversation.

Get pre-qualified(904) 209-6664