Nassau County & Amelia Island, FL Mortgage & Home Loans
A family-owned mortgage broker based in Fleming Island, serving Nassau County — Fernandina Beach, Amelia Island, and Yulee — as part of our wider Northeast Florida service area, with a 15-day average clear-to-close.
Nassau County anchors the northeastern corner of Florida, pairing the historic beach town of Fernandina Beach and Amelia Island with the fast-growing mainland community of Yulee. First Look Home Loans serves Nassau County as part of our wider Northeast Florida service area, working from our office in Fleming Island.
Nassau's two sides call for very different financing. On Amelia Island, higher-priced coastal and second-home purchases often mean jumbo loans, while Yulee's newer mainland subdivisions draw first-time and commuter buyers using conventional, FHA, and new-construction financing. We tailor the loan to which side of the county you're buying on.
Why work with a local Nassau County broker
Nassau County really has two markets — coastal Amelia Island and mainland Yulee — and the right loan looks very different in each. As an independent broker based in Fleming Island, we shop multiple wholesale lenders to fit either one rather than handing you a single bank's menu.
Our Pre-Approval PLUS+ is a fully underwritten pre-approval rather than a quick estimate, and our 15-day average clear-to-close keeps your purchase moving — including when we're coordinating remotely across the region.
Loan programs that matter in Nassau County
The right fit depends on the property and your goals. These are the programs we most often help Nassau County buyers and homeowners put to work.
Jumbo Loans
Amelia Island's oceanfront and historic-district homes can exceed the conforming limit, where jumbo financing applies.
Learn morePortfolio / Investor
Amelia Island's vacation and second-home market makes portfolio options useful for non-primary residences.
Learn moreFHA Loans
Yulee's growing, more affordable mainland subdivisions are a common entry point for first-time buyers using FHA's low down payment.
Learn moreFixed Rate Mortgage
Conventional fixed-rate loans suit move-up and new-construction buyers across the Nassau County mainland.
Learn moreNassau County mortgage questions
Buying or refinancing in Nassau County?
Talk with our family team about your goals — no pressure, no obligation. We'll help you understand every option before you decide.
NMLS #1898199 · Austin Williams NMLS #885656 · Equal Housing Opportunity