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VA Loans in St. Augustine, FL

Looking for VA loans in St. Augustine? Buying or refinancing in St. Augustine with your VA benefit? Sam Gorniak, a retired Navy Chief Petty Officer and mortgage broker with Atlantic Trust Mortgage, lives and works in St. Johns County and helps veterans compare VA options from multiple lenders.

Start Your VA Pre-Approval   Call Sam: (904) 687-9274

Why Veterans Choose St. Johns County

St. Augustine, St. Augustine Beach, World Golf Village, and the communities along County Road 210 attract retirees, Guard members, and families commuting to NAS Jacksonville or Mayport. Flood zones, HOA and CDD fees, and condo approvals all affect a VA loan here, so local knowledge matters.

VA Options in St. Augustine

Nearby: St. Augustine Beach, World Golf Village, Palencia, Beachwalk, SilverLeaf.

Why Veterans Work With Sam Gorniak

  • Retired U.S. Navy Chief Petty Officer who has used the VA benefit himself
  • Independent mortgage broker who compares VA pricing from multiple wholesale lenders
  • Knows PCS timelines, orders-based closings, and buying from out of state
  • Works with title partners that offer military closing discounts

Schedule a free VA loans in St. Augustine consultation with Sam.

VA Loans in St. Augustine FAQ

Can I use a VA loan for a second home in St. Augustine?
VA loans are for homes you will live in as your primary residence. We can review options if you are relocating here.

Will I need flood insurance?
If the home is in a FEMA Special Flood Hazard Area, flood insurance is required. Much of coastal St. Johns County is in a flood zone, so we help you get quotes early.

Are condos eligible?
Only condos on the VA-approved list, or ones that can be approved. See our VA-approved condos page.

More VA Loan Resources

VA loans in Florida · VA mortgage broker in Jacksonville · VA loans near NAS Jacksonville · VA loans near Mayport · Kings Bay sailors buying in Yulee · Camp Blanding and Clay County · VA loans in St. Augustine · VA IRRRL · VA cash-out refinance · benefits for disabled veterans · using your VA loan twice · VA loans with no loan limit · VA-approved condos

Talk to a Veteran Who Gets It

Start your VA pre-approval online or call Sam Gorniak at (904) 687-9274. Military buyers may also qualify for a $299 military settlement fee at Title Company of Florida.

Saverio (Sam) Gorniak, NMLS #1954721. Atlantic Trust Mortgage, NMLS #239592. Equal Housing Lender. Not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any government agency. This is not a commitment to lend. All loans are subject to credit approval, VA eligibility, underwriting guidelines, and property eligibility. Programs may change without notice. This page is general information, not tax or legal advice. Title Company of Florida and Rental Property Partners are owned by Sam Gorniak’s family; Atlantic Trust Mortgage is not affiliated with them, and you are not required to use them.