Skip to main content

Compare First-Time Home Buyer Specialists in Fernandina Beach, FL

Looking for a first-time home buyer specialist in Fernandina Beach? Review the directory below to compare your options.

20 agents listed
Updated June 2026
Fernandina Beach, FL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the State Mortgage Licensing Authority of Florida before hiring.
Showing 20 first-time home buyer specialists in Fernandina Beach, FL Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Tonya Rice, Top Producer
22391 Flora Parke Crossing B, Fernandina Beach, FL 32034
(904) 608-1540
Jen Edgington - Summer House Realty
316 Ash St, Fernandina Beach, FL 32034
(904) 254-2379 jenedgington.summerhouserealty.com
Kelli Allen - ERA Fernandina Beach Realty
2057 S Fletcher Ave, Fernandina Beach, FL 32034
(904) 321-7917 homesinameliaisland.com
Diamond Realty Group of Amelia Inc.
1910 S 14th St, Fernandina Beach, FL 32034
(904) 277-9700 diamondrealtygroupofamelia.com
CHRISTINE HUGHES, SUMMER HOUSE REALTY
316 Ash St, Fernandina Beach, FL 32034
(904) 496-6254 christinehughes.summerhouserealty.com
Tonya Williams, Realtor
316 Ash St, Fernandina Beach, FL 32034
(912) 977-2168 tonyawilliams.summerhouserealty.com
Courtney Russell- Summer House Realty
316 Ash St, Fernandina Beach, FL 32034
(252) 258-3443 courtneyrussell.summerhouserealty.com
Missy Balestra, Team Balestra
5185 S Fletcher Ave Unit 3, Fernandina Beach, FL 32034
(757) 240-1545 teambalestra.com
Jon Bell - Real Estate Agent
316 Ash St, Fernandina Beach, FL 32034
(713) 828-7833 jonbellsells.com
Kim Richardson, Christie's International Real Estate
5185 S Fletcher Ave, Fernandina Beach, FL 32034
(904) 415-2545 32034living.com
Chad Feuerhahn
316 Ash St, Fernandina Beach, FL 32034
(904) 206-2955 chadfeuerhahn.summerhouserealty.com
Angie Heitzer - Summer House Realty
316 Ash St, Fernandina Beach, FL 32034
(678) 895-9586 angieheitzer.summerhouserealty.com
Amelia Island Real Estate Services
10 Amelia Village Cir, Fernandina Beach, FL 32034
(904) 277-5980 ameliaislandrealestate.net
Summer House: Jenna Griffith, Realtor
316 Ash St, Fernandina Beach, FL 32034
(615) 674-6074 msjennagriffith.com
Century 21 Miller Elite: Dean Miller, Realtor
500 Centre St, Fernandina Beach, FL 32034
(904) 415-1151 yourdeanofrealestate.com
Key Home Team
4800 1st Coast Hwy #230, Fernandina Beach, FL 32034
(904) 510-5228
April Lacoss Realtor
4800 1st Coast Hwy STE 230, Fernandina Beach, FL 32034
(904) 557-8010 aprillacoss.kw.com
FLORE EDENFIELD, SUMMER HOUSE REALTY
316 Ash St, Fernandina Beach, FL 32034
(904) 206-9383 floreedenfield.summerhouserealty.com
Cary Basenback REALTOR®- Century 21 Miller Elite
500 Centre St, Fernandina Beach, FL 32034
(904) 447-8981 sellingislanddreams.com
All Florida Home Buyers
1890 S 14th St, Fernandina Beach, FL 32034
(904) 878-2699

A first-time home buyer specialist in Fernandina Beach Florida helps you navigate the local real estate market and Florida specific laws. These specialists guide you through Florida first-time buyer programs and mortgage options. They also explain important local details like flood zone requirements and property tax rules for Nassau County.

What Does a First-Time Home Buyer Specialist in Fernandina Beach Cost?

Typical costs for a first-time home buyer specialist in Fernandina Beach range from 2 percent to 3 percent of the home purchase price as a commission paid by the seller. Some specialists charge a flat fee between 500 and 1500 dollars for consulting services. Additional costs include the Florida documentary stamp tax which is 0.70 dollars per 100 dollars of the mortgage amount. This is general information and not mortgage or financial advice.

* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.

Frequently Asked Questions

What does a first-time home buyer specialist do in Fernandina Beach?
A specialist helps you find homes within your budget and connects you with Florida approved lenders. They also explain the Florida first-time home buyer program which offers down payment assistance. Their goal is to make your purchase smooth and legally sound.
Are there special Florida programs for first-time home buyers in Fernandina Beach?
Yes, Florida offers the Florida HFA First Time Homebuyer Program which provides up to 5 percent of the loan amount for down payment and closing costs. Nassau County also has local grants for eligible buyers. You must complete a home buyer education course to qualify.

First-Time Home Buyer Specialists in Other Florida Cities