The Best 2024 Nocatee FHA Mortgage Programs

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640 + Fico Score
620 + Fico Score
580 + Fico Score
560 + Fico Score
500 + Fico Score

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640 + Fico Score Home Loans

Having a 640 credit score allows for homebuyers to qualify for a majority of programs available across the U.S.A.  The popular Nocatee FHA home loan was introduced in 1934.  The program features lower down payment options and easier qualifications for new and repeat homebuyers.  Another Government program strictly for Veteran’s was introduced in 1944, the Nocatee VA home loan allows for certain service members to buy a home with no money down even with lower credit scores.  Another favorite of ours, the USDA home loan created in 1991 offers the no money down option.  Last but not least a homebuyer favorite the forgivable Nocatee FHA homebuyer grant.  With over 26 years of experience our experts are here to answer your questions.  We will have you pre-approved and ready to shop in minutes.

Get Pre-Approved Now

(640 Credit Score Required)

FHA Loan Benefits

  • Buy with 3.5% Down
  • 640 Credit Qualifies for a Grant to Cover Down Payment
  • Easier Credit Qualifications
  • Extremely Loan Rates for Home Buyers

USDA Loan Benefits

  • Buy with No Money Down
  • Streamlined credit approval for scores above 640
  • Look Up Eligible USDA Areas Here
  • Extremely Loan Rates for USDA Home Buyers

FHA Grant Benefits

  • Grant is completely forgiven
  • Grant can be used for down payment
  • Not required to be first time home buyers
  • Keep your down payment money in the bank

VA Loan Benefits

  • No down payment
  • No mortgage insurance required
  • Low wholesale VA home rates
  • Lower credit scores can qualify

Questions Call (888)208-9797

Nocatee is Eligible for FHA Home Buyers

Popular FHA Cities for New Home Buyers

620 + Fico Score Home Loans

Having a 620 credit score allows new Nocatee homebuyers many options. The FHA offers amazing rates even with less than perfect credit. Even better the FHA offers buyers the option to buy with a 3.5% down payment. Don’t have a down payment, no worries we offer a private Nocatee FHA grant program.  The Nocatee FHA grant program requires a minimum 620 credit score. The programs don’t stop there, Even with a 620 credit score we have more options. The USDA home loan and the Nocatee VA home loan are also available. The USDA mortgage allows for home buyers to purchase with NO money down. Understand the average qualifying credit score is 640 but our 2024 guidelines allow for manual underwriting. A manual approval will need to be completed by an underwriter and is not guaranteed. Last but not least our Nocatee VA Military home loan is another NO money down option for those who serve the USA, the greatest country on earth.

Get Pre-Approved Now

(620 Credit Score Required)

FHA Loan Benefits

  • Buy with 3.5% Down
  • 620 Credit Qualifies for a Grant to Cover Down Payment
  • Easier Credit Qualifications
  • Extremely Loan Rates for Home Buyers

USDA Loan Benefits

  • Buy with No Money Down
  • 620 credit scores will need manual approval by underwriting
  • Look Up Eligible USDA Areas Here
  • Extremely Loan Rates for USDA Home Buyers

FHA Grant Benefits

  • Grant is completely forgiven
  • Grant can be used for down payment
  • Not required to be first time home buyers
  • Keep your down payment money in the bank

VA Loan Benefits

  • No down payment
  • No mortgage insurance required
  • Low wholesale VA home rates
  • Lower credit scores can qualify

Questions Call (888)208-9797

Areas Near Nocatee are Eligible for USDA Loans

Popular areas that may be Eligible for USDA Home Buyers

580 Fico Score Home Loans

Having a 580 plus credit score will allow Nocatee home buyers a few great options. The FHA offers amazing rates even with less than perfect credit. With a 580 credit score a down payment of 3.5% will be needed. The down payment can come as a gift. Another great options for lower credit scores is our Nocatee VA Military home loan. Veteran’s can qualify with a 580 credit score and NO money down.

Get Pre-Approved Now

(580 Credit Score Required)

FHA Loan Benefits

  • Buy with 3.5% Down
  • Gift funds excepted for down payment
  • Easier Credit Qualifications
  • Extremely Loan Rates for Home Buyers

VA Loan Benefits

  • No down payment
  • No mortgage insurance required
  • Low wholesale VA home rates
  • Lower credit scores can qualify

Questions Call (888)208-9797

Nocatee is Eligible for Veteran Home Programs

Popular Cities for Veteran Home Buyers

560 Fico Score Home Loans

560 plus credit scores allow home buyers a few great options. The FHA offers amazing rates even with less than perfect credit. With a 560 credit score a down payment of 10 - 20% will be needed. The down payment can come as a gift. Another great option for lower credit scores is our VA Military home loan. Veteran’s can qualify with a 560 plus credit score.

Get Pre-Approved Now

(560 Credit Score Required)

FHA Loan Benefits

  • Buy with 10 - 20% Down
  • Gift funds excepted for down payment
  • Easier Credit Qualifications
  • Extremely Loan Rates for Home Buyers

VA Loan Benefits

  • No down payment
  • No mortgage insurance required
  • Low wholesale VA home rates
  • Lower credit scores can qualify

Questions Call (888)208-9797

500 Fico Score Home Loans

With 500 plus credit scores options are still available for home buyers. The Nocatee FHA program is still available for home buyers, understand you will need a larger down payment, usually 10 - 20%  The down payment can come as a gift. Another great option for lower credit scores is our Nocatee VA Military home loan. Veteran’s can qualify with a 500 plus credit score.  Keep in mind a 500 plus credit score is a higher risk for lenders, this means it will be underwritten manually by an underwriter.

Get Pre-Approved Now

(500 + Credit Score Required)

FHA Loan Benefits

  • Buy with 10 - 20% Down
  • Gift funds excepted for down payment
  • Easier Credit Qualifications
  • Extremely Low Rates for Home Buyers

VA Loan Benefits

  • No down payment
  • No mortgage insurance required
  • Low wholesale VA home rates
  • Lower credit scores can qualify

Questions Call (888)208-9797

Hundreds of 5 Star Reviews!

Nocatee /ˈnɒkətiː/ is an unincorporated planned community located primarily in northern St. Johns County, Florida. The community blends a variety of neighborhoods with schools, parks, recreation, offices, shopping, and restaurants.[1] As of 2020, the community consists of twenty-two neighborhoods, some of which are specialized for certain age groups.[2] Part of the development lies within Jacksonville in Duval County. It is near Ponte Vedra Beach in Florida’s First Coast region and sits on 13,323 acres (5,392 ha) of land. It was approved in 2001 as a Development of Regional Impact (DRI) under Section 380.06 of the Florida Statutes.[3][4] In addition, Nocatee is just a few minutes away from pristine beaches, golf courses, business parks and major airports in downtown Jacksonville and St. Augustine.[5] The Nocatee vision was centered around a desire to transform the unique setting of the land into a place with a truly exceptional quality of living, while still preserving the area’s peaceful beauty. By incorporating elements of “Smart Growth,” Nocatee provides its residents with employment opportunities, shopping, schools, recreation and beautiful homes – everything needed for and exceptional quality of life.[6]

Nocatee’s creator, The PARC Group, claims that its main goal is to create communities that balance the lifestyles of its residents.[7] The PARC Groups’s Chairman and CEO, Roger O’Steen, founded the group in 1989 and was directly involved with the development of Nocatee and many other communities. He had been named Northeast Developer of the Year in 2018, and The PARC Group has been claiming this title for a consecutive 12 years.[8]
Donna Lundgren, the manager for the Nocatee Welcome Center, explains that the actual word “Nocatee” has roots in Timucuan Indian and translates to “peaceful river”. She also states that Nocatee is “approximately 25 square miles, 14,000 acres with over 60% of remaining preserve for conservation and preservation.”[9]