Middleburg, Clay County

Middleburg Mortgage Broker

Your licensed Middleburg Mortgage Broker for FHA, Conventional, VA & Down Payment Assistance home loans. As a trusted mortgage broker serving Middleburg and all of Clay County, we close loans in 14–21 days with honest rates and no surprises.

$350,000

Median Home Price

13,008

Population

32068

Primary ZIP

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Get Pre-Approved in Middleburg

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

Home Loans in Middleburg

Middleburg Home Loan Programs

Mortgage Capital is your local Middleburg Mortgage Broker. Middleburg — Semi-rural, USDA areas in Clay County— has its own price points and buyer profile, and we match each loan to it instead of running every client through the same box.

Whether you are purchasing your first home in Middleburgor refinancing an existing mortgage, our team provides personalized guidance from application to closing. Furthermore, as a mortgage broker — not a bank — we shop dozens of lenders to find you the most competitive Middleburg mortgage rates available in 2026.

Middleburg's median price of around $350,000 puts it in the heart of Clay County's first-time and move-up buyer range. Buyers here split fairly evenly between FHA and conventional financing, and many qualify for Florida down payment assistance. We shop both routes side by side so Middleburg clients see the real monthly difference before committing.

Available Loan Programs in Middleburg

✓FHA loans — 3.5% down with flexible credit

✓Conventional loans from 3% down

✓VA loans — $0 down for veterans

✓Down Payment Assistance — Hometown Heroes & FL Housing

✓First-time buyer programs

✓Refinance — rate/term & cash-out

Prices in Middleburgstill vary by neighborhood and property type, so the right loan program and down payment strategy depend on your specific target range. Ready to see real numbers? We'll pull current Middleburgrates for your price point and program at no cost — start with a five-minute application or call (561) 300-0380.

Middleburg Market Data — 2026

CityMiddleburg

CountyClay County

ZIP Code32068

Median Price$350,000

Population13,008

Avg Close Time14–21 Days

Broker NMLS#1859012

How It Works in Middleburg

Apply Online

5 min · soft credit pull only

Rate Lock

We shop lenders for your best rate

Processing

Our team handles paperwork

In Middleburg — typically 14–21 days

FAQ

Middleburg Mortgage Questions

How do I find a mortgage broker in Middleburg, FL?

Mortgage Capital is a licensed Middleburg Mortgage Broker (NMLS# 1859012). However, choosing the right broker matters because not all lenders offer the same programs or service. Because we are locally based in South Florida, we know the Middleburg market and the specific programs available to Middleburg buyers. Call us at (561) 300-0380 or apply online for a free consultation.

What is the minimum down payment for a home in Middleburg?

For a $350,000 home in Middleburg, a 3% conventional down payment runs roughly the low five figures, while FHA's 3.5% is comparable with easier credit requirements. VA loans offer $0 down for veterans, and Hometown Heroes can contribute up to $35,000 toward your down payment and closing costs — a major help in the Middleburg price range.

How long does it take to close on a home in Middleburg?

Most Middleburg home loans close in 14–21 days with Mortgage Capital. Furthermore, our pre-approval process typically takes less than 24 hours. However, timelines can vary based on loan type, property condition, and seller cooperation. As a result, having a fully underwritten pre-approval letter from day one is the best way to strengthen your offer and accelerate the Middleburg closing process.

Also Serving Clay County

Nearby Cities We Serve

Explore Loan Programs

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Ready to Buy in Middleburg?

Your local Middleburg Mortgage Broker— 5-minute pre-approval, honest rates, fast closing.

(561) 300-0380

Rates are illustrative only. APR and payments vary by credit score, loan amount, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.