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

Home Loans From Your Middleburg Mortgage Broker

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 buying your first home in Middleburg 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 Middleburg mortgage rate for 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.

Middleburg's semi-rural pockets open up USDA eligibility for buyers who want more land within commuting distance of Jacksonville.

Available Mortgage 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. 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 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). 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 Middleburg market and the programs that fit 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?

On a $350,000 Middleburg home, a 3% conventional down payment lands roughly in the low five figures. FHA's 3.5% is close, with more flexible credit requirements. VA loans offer $0 down for veterans. Hometown Heroes can also add 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, 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 Middleburg closing on track.

Also Serving Clay County

Nearby Cities We Serve

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Florida Mortgage Locations FHA Loans Florida Down Payment Assistance All Florida Loan Programs Apply for Pre-Approval

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.