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Lawtey, Bradford County

Lawtey Mortgage Broker

Your licensed Lawtey Mortgage Broker for affordable, low-down-payment home loans — FHA, USDA, VA & Down Payment Assistance. As a trusted mortgage broker serving Lawtey and all of Bradford County, we close loans in 14–21 days with honest rates and no surprises.

$200,000
Median Home Price
730
Population
32058
Primary ZIP
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Get Pre-Approved in Lawtey
5 minutes · No cost · Soft credit pull only
NMLS# 1859012 · Equal Housing Lender
Home Loans in Lawtey

Home Loans From Your Lawtey Mortgage Broker

Mortgage Capital is your local Lawtey Mortgage Broker. Lawtey — Small rural town in Bradford 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 buying your first home in Lawtey or refinancing one you already own, our team guides you from application to closing. As a broker rather than a bank, we shop dozens of lenders to find you a competitive Lawtey mortgage rate for 2026.

With a median home price near $200,000, Lawtey is one of the more attainable markets in Bradford County. Most buyers here use FHA, USDA where the address qualifies, and Florida down payment assistance to keep cash-to-close manageable. We help Lawtey buyers stack DPA with an FHA or conventional first mortgage so the upfront number works on a local budget.

Lawtey is a small rural town where USDA loans cover nearly every purchase, often with acreage.

Available Mortgage Programs in Lawtey

✓FHA loans — 3.5% down, ideal for first-time buyers
✓USDA loans — $0 down in eligible areas
✓Conventional 97 — 3% down for qualifying buyers
✓VA loans — $0 down for veterans
✓Down Payment Assistance — Hometown Heroes & FL Housing
✓Refinance — lower your rate or pull cash out

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

Lawtey Market Data — 2026
CityLawtey
CountyBradford County
ZIP Code32058
Median Price$200,000
Population730
Avg Close Time14–21 Days
Broker NMLS#1859012
How It Works in Lawtey
01
Apply Online
5 min · soft credit pull only
02
Rate Lock
We shop lenders for your best rate
03
Processing
Our team handles paperwork
04
Close
In Lawtey — typically 14–21 days
FAQ

Lawtey Mortgage Questions

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

Mortgage Capital is a licensed Lawtey Mortgage Broker (NMLS# 1859012). Choosing the right broker matters, since not every lender offers the same programs or service. We are based in South Florida, so we know the Lawtey market and the programs that fit Lawtey buyers. Call us at (561) 300-0380 or apply online for a free consultation.

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

In Lawtey, where the median price is about $200,000, FHA's 3.5% down often lands well under $15,000 before assistance. USDA and VA loans reach $0 down for eligible buyers. The Florida Hometown Heroes program can add up to $35,000 toward your down payment and closing costs. That is often enough to cover most of what a Lawtey buyer needs at closing.

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

Most Lawtey home loans close in 14–21 days with Mortgage Capital, and our pre-approval usually takes under 24 hours. Timelines still shift with loan type, property condition, and how fast the seller moves. Walking in with a fully underwritten pre-approval letter is the best way to strengthen your offer and keep the Lawtey closing on track.

Also Serving Bradford County

Nearby Cities We Serve

Starke
$220,000
Mortgage Broker →
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Florida Mortgage LocationsFHA Loans FloridaDown Payment AssistanceAll Florida Loan ProgramsApply for Pre-Approval

Ready to Buy in Lawtey?

Your local Lawtey 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.