Military Moving You to the First Coast Soon?

Turn to the My Base Guide’s NS Mayport and NAS Jacksonville Trusted Lender for Home Buying Assistance

Hello. I’m Steve Carter, a long-time resident of Jacksonville and a well-known local expert on VA Lending. If you’re moving here soon, let me be the first to welcome you.

Below, I’ve provided valuable area resources you can use to make your move as easy as possible.

If you have any questions about moving to our area, using your VA Lending benefits, or locating a helpful and knowledgeable real estate agent – I’m ready to help!

Simply give me a call at (904) 379-4748 or fill out the contact form down below. I look forward to lending you my assistance!

Hello. I’m Steve Carter, a long-time resident of Jacksonville and a well-known local expert on VA Lending. If you’re moving here soon, let me be the first to welcome you.

Below, I’ve provided valuable area resources you can use to make your move as easy as possible.

If you have any questions about moving to our area, using your VA Lending benefits, or locating a helpful and knowledgeable real estate agent – I’m ready to help!

Simply give me a call at (904) 379-4748 or fill out the contact form over on the side. I look forward to lending you my assistance!

Tap to Learn A Bit About Me

When My Base Guide endorsed me as a Trusted Business for NS Mayport and NAS Jacksonville they mentioned that my

  • Decades of experience helping military members purchase homes
  • Knowledge of the local housing market
  • Ability to connect service members to military-friendly real estate agents

would be an immense help for Service Members moving to the Northeast Florida area.

I’ll admit, this endorsement is a tremendous honor for me.

I’ve dedicated much of my mortgage career helping service members take full advantage of their well-earned home lending benefits. I’m looking forward to helping you as well.

Tap to Learn a Bit About My Team

We’re a local team of mortgage professionals dedicated to helping home buyers find the right lending solution that will provide a Financial Advantage Today and Tomorrow.

Our team also includes former military members well acquainted with your situation.

We’re not a call center. When you call us, you’ll work with the same set of VA loan experts from start to finish.You’ll have our personal attention from your first call. We listen to learn what you want, when you want it, and how.

We know the lending process and can head off most challenges before they become showstoppers. Plus we can make sure you’re fully armed with tips on getting a home price that may save you thousands of dollars.

My team is looking forward to hearing from you!

Let’s Connect

Before we get to the First Coast resources down below, would you mind sharing a bit about you?

The information you provide below will help start a conversation on how I can best help you achieve your home buying goals here on the First Coast.

  • When We Connect, Ask About My Special Military Offer

    I'm currently offering military members and veterans $500 off the appraisal cost at closing. I'll be happy to discuss the details with you when we talk.

First Coast Resources

My staff and I put together information about the First Coast that we believe you’ll find useful when moving to our area. This includes links to school information, utility companies, and other resources.

VA Loan Information

We’ve also provided you with valuable information about VA Loans so you can learn more about this extraordinary & well-earned lifetime benefit available to military members, veterans & their families.

A Bit About Northeast Florida

We’ll admit, as residents we’re a bit biased to say Northeast Florida is one of the best areas in the country to live, work and play. From miles of beautiful beaches to scenic inland communities, this area can accommodate most any lifestyles and home budgets.

The First Coast has four counties:

  • Nassau
  • Duval
  • St. Johns
  • Clay

First Coast Service Resources

My team and I compiled helpful links and information to area services to help get you started on making the First Coast area your home.

Duval County
Duval County is home to NS Mayport and NAS Jacksonville. Neighborhoods and communities range from historic to coastal.

Estimated population: 937,934

Home Market Snapshot
Based on Median Zillow Home Value Index (ZHVI) for Duval County Cities & Neighborhoods.

Neptune Beach: $388,400
Atlantic Beach: $375,200
Jacksonville Beach: $341,200
Jacksonville: $152,300
Southside: $255,900
Springfield: $151,800
Mid-Westside: $52,300
Mandarin: $387,200
Loretto: $186,800

Local Government Links

Duval County & Jacksonville: www.coj.net

Atlantic Beach: www.coab.us

Jacksonville Beach: www.jacksonvillebeach.org

Neptune Beach: www.ci.neptune-beach.fl.us

Utility Services Links & Phone Numbers
Atlantic Beach

Electricity:

Jacksonville Electric Authority (JEA): (904) 665-6000

Garbage & Recycling:

City of Atlantic Beach Solid Waste: (904) 247-5834

Water & Sewer:

Residential Service: (904) 247-5816

Natural Gas:

TECO People’s Gas: (904) 739-1211

Jacksonville

Electricity, Water & Sewer:

Jacksonville Electric Authority (JEA): (904) 665-6000

Garbage & Recycling:

City of Jacksonville Solid Waste: (904) 630-2489

Natural Gas:

TECO People’s Gas: (904) 739-1211

Jacksonville Beach

Electricity, Water & Sewer:

Beaches Energy Services: (904) 247-6241

Garbage & Recycling:

City of Jacksonville Solid Waste: (904) 630-2489

Natural Gas:

TECO People’s Gas: (904) 739-1211

Neptune Beach

Electricity:

Beaches Energy Services: (904) 247-6241

Water & Sewer:

City of Neptune Beach: (904) 270-2400

Garbage & Recycling:

Waste Proof Florida, Inc.: (904) 731-7288

Natural Gas:

TECO People’s Gas: (904) 739-1211

Schools
Duval County Public Schools: (904) 390-2000
Registration & Enrollment: (904) 390-2144
Internet & TV
Cable & Satellite

Comcast: 800-266-2278

DIRECTTV: 800-280-4388

Dish Network: 888-732-6401

Internet

Comcast: 877-870-7310

AT&T: 844-263-5181

HughesNet: 800-427-9565

St. Johns County
St. Johns County is one of the fastest growing counties in Florida. Communities and neighborhoods range from coastal to rural.

Estimated population: 243,812

Home Market Snapshot
Based on Median Zillow Home Value Index (ZHVI) for St. Johns County Cities & Neighborhoods.

Ponte Vedra Beach: $481,100
Ponte Vedra: $352,800
St. Augustine Beach: $329,700
St. Augustine: $228,900
Fruit Cove: $301,400
Crescent Beach: $294,800
Elkton: $226,400
Hastings: $117,900
Loretto: $186,800

Local Government Links

St. Johns County www.co.st-johns.fl.us

Ponte Vedra Beach: www.pvmsd.org

St. Augustine: www.citystaug.com

St. Augustine Beach: www.staugbch.com

Utility Services Links & Phone Numbers
Ponte Vedra Beach

Electricity:

Beaches Energy Services: (904) 247-6241

Jacksonville Electric Authority (JEA): (904) 665-6000

Garbage & Recycling:

Republic Services: (904) 825-0991

Water & Sewer:

Jacksonville Electric Authority (JEA): (904) 665-6000

St. Johns Utility Department: (904) 209-2700

Julington Creek

Electricity:

Jacksonville Electric Authority (JEA): (904) 665-6000

Garbage & Recycling:

Republic Services: (904) 825-0991

Water & Sewer:

St. Johns Utility Department: (904) 209-2700

Natural Gas:

TECO People’s Gas: (904) 739-1211

St. Augustine

Electricity:

Florida Power & Light (FPL): 800-226-3545

Jacksonville Electric Authority (JEA): (904) 665-6000

Garbage & Recycling:

City of St. Augustine (904) 825-1049

Water & Sewer:

City of St. Augustine: (904) 825-1037

Natural Gas:

TECO People’s Gas: (904) 739-1211

St. Augustine Beach

Electricity:

Florida Power & Light (FPL): 800-226-3545

Water & Sewer:

St. Johns Utility Department: (904) 209-2700

Garbage & Recycling:

City of St. Augustine Beach (904) 471-1119

Natural Gas:

TECO People’s Gas: (904) 739-1211

Hastings

Electricity:

Florida Power & Light (FPL): 800-226-3545

Garbage & Recycling:

Advanced Disposal Services (904) 695-0500

Natural Gas:

TECO People’s Gas: (904) 739-1211

Internet & TV
Cable & Satellite

Comcast: 800-266-2278

DIRECTTV: 800-280-4388

Dish Network: 888-732-6401

Windstream Communications (Hastings): 800-347-1991

Internet

Comcast: 877-870-7310

AT&T: 844-263-5181

HughesNet: 800-427-9565

Windstream Communications (Hastings): 800-347-1991

Clay County

Clay County’s convenient location provides quick commutes to Jacksonville and St. Augustine. Neighborhoods range from rural to planned communities.

Estimated population: 212,230

Home Market Snapshot
Based on Median Zillow Home Value Index (ZHVI) for Clay County Cities & Neighborhoods.

Asbury Lake: $286,900
Fleming Island: $255,000
Orange Park: $166,100
Middleburg: $165,900
Green Cove Springs: $130,300

Local Government Links

Clay County www.claycountygov.com

Green Cove Springs: www.greencovesprings.com

Keystone Heights: www.keystoneheights.us

Orange Park: www.townoforangepark.com

Utility Services Links & Phone Numbers
Fleming Island

Electricity:

Clay Electric Cooperative (CEC): (904) 272-2456

Garbage & Recycling:

Advanced Disposal Services (904) 695-0500

Water & Sewer:

Clay County Utility Authority: (904) 272-5999

Green Cove Springs

Electricity:

City of Green Cove Springs: (904) 284-7500

Jacksonville Electric Authority (JEA): (904) 665-6000

Clay Electric Cooperative (CEC): (904) 272-2456

Garbage & Recycling:

City of Green Cove Springs: (904) 284-7500

Water & Sewer:

Clay County Utility Authority: (904) 272-5999

Jacksonville Electric Authority (JEA): (904) 665-6000

Keystone Heights

Electricity:

Clay Electric Cooperative (CEC): (352) 473-8000

Garbage & Recycling:

Advanced Disposal Services (904) 695-0500

Water & Sewer:

Clay County Utility Authority: (904) 272-5999

Middleburg

Electricity:

Clay Electric Cooperative (CEC): (904) 272-2456

Garbage & Recycling:

Advanced Disposal Services (904) 695-0500

Water & Sewer:

Clay County Utility Authority: (904) 272-5999

Natural Gas:

TECO People’s Gas: (904) 739-1211

Orange Park

Electricity:

Clay Electric Cooperative (CEC): (904) 272-2456

Jacksonville Electric Authority (JEA): (904) 665-6000

Garbage & Recycling:

Advanced Disposal Services (904) 695-0500

Water & Sewer:

Jacksonville Electric Authority (JEA): (904) 665-6000

Town of Orange Park: (904) 264-7411

Natural Gas:

TECO People’s Gas: (904) 739-1211

Internet & TV
Cable & Satellite

Comcast: 800-266-2278

DIRECTTV: 800-280-4388

Dish Network: 888-732-6401

Windstream Communications (Hastings): 800-347-1991

Internet

Comcast: 877-870-7310

AT&T: 844-263-5181

HughesNet: 800-427-9565

Windstream Communications (Hastings): 800-347-1991

Nassau County

Located on the north side of the First Coast, residents enjoy living near beaches and the countryside.

Estimated population: 82,721

Home Market Snapshot
Based on Median Zillow Home Value Index (ZHVI) for Nassau County Cities & Neighborhoods.

Fernandina Beach: $324,500
Callahan: $196,300
Yulee: $190,600
Hilliard: $170,500

Local Government Links

Nassau County www.nassaucountyfl.com

Fernandina Beach: www.fbfl.us

Callahan: www.townofcallahan-fl.gov

Utility Services Links & Phone Numbers
Amelia Island

Electricity:

Florida Public Utilities: (904) 261-3663

Garbage & Recycling:

Advanced Disposal (904) 879-2301

Water & Sewer:

Nassau County Board of City Commissioners: (904) 530-6030

Fernandina Beach

Electricity:

Florida Public Utilities: (904) 261-3663

Garbage & Recycling:

Advanced Disposal (904) 879-2301

Water & Sewer:

City of Fernandina Beach: (904) 310-3400

Callahan

Electricity:

Florida Power & Light (FPL): 800-226-3545

Okefenokee Rural Electric: 800-262-5131

Garbage & Recycling:

Advanced Disposal – Stateline (904) 879-2301

Water & Sewer:

City of Fernandina Beach: (904) 310-3400

Hilliard

Electricity:

Florida Power & Light (FPL): 800-226-3545

Okefenokee Rural Electric: 800-262-5131

Garbage & Recycling:

Advanced Disposal – Stateline (904) 879-2301

Water & Sewer:

Hilliard Water Department: (904) 845-2711

Yulee

Electricity:

Florida Power & Light (FPL): 800-226-3545

Jacksonville Electric Authority (JEA): (904) 665-6000

Garbage & Recycling:

Advanced Disposal (904) 879-2301

Water & Sewer:

Florida Power & Light (FPL): 800-226-3545

Jacksonville Electric Authority (JEA): (904) 665-6000

Internet & TV
Cable & Satellite

Comcast: 800-266-2278

DIRECTTV: 800-280-4388

Dish Network: 888-732-6401

Windstream Communications: 800-347-1991

Internet

Comcast: 877-870-7310

AT&T: 844-263-5181

HughesNet: 800-427-9565

Windstream Communications: 800-347-1991

If You Have Any Questions About the First Coast or Want a Connection to a Knowledgeable Real Estate Agent

Call: (904) 379-4748

Or Send Us a Message

We Can’t Wait to Help Make the First Coast Your Home.

About VA Loans

We’ve Helped Countless Military Families Buy & Refinance Their Homes

Frequently, we’ve found many service members and veterans confused about the VA Loan process. Enough so, that they explore other home buying options. Unfortunately, they could be doing themselves a huge financial disservice by not taking advantage of the wealth of benefits provided by the VA Loan program.

We’re ready to lend our expertise and help you enjoy this extraordinary opportunity you’ve earned. We’ll find loan terms best suited for your situation, not just for today, but tomorrow as well. Plus we’ll educate and guide you throughout the process.

It will be our honor to serve you.

4 VA Home Loan Advantages

Piggy Bank Icon

No Down Payment

No need to save money for years to make a down payment. Plus, all costs can be included in the new loan or interest rates can be adjusted so lender pays the costs.

Icon representing benefits for life

Benefits for Life

You’ve earned VA Home Loan benefits for life, even if you’ve previously used them. We can help you “restore” your benefits to purchase another home with a VA Loan.

Icon representing cash out

Cash Out Your Equity

Use the value you’ve earned in your home to pay off debts, fund school tuition or make home improvements. We could also help you refinance a non-VA loan into a VA Loan.

Icon representing a condo

Not Just for Homes, Condos Eligible Too

If you’ve got an eye on a condominium in a VA-approved community, we can help you buy it.

VA Loan Eligibility

To qualify for a VA Loan, you need to be:

An Active Duty Service Member

With at least 90 days of service.

A Veteran

With at least 90 days of active duty service during wartime or at least 181 days of active duty service during peacetime.

A National Guard & Reserve Member

With at least 6 years of service.

A Surviving Spouse

Spouse of a veteran who died during service or from a service-related disability and is not remarried or a spouse of a service member missing in action or a prisoner of war and is not remarried.

Client Testimonials

Simply the BEST

“Steve Carter has been nothing short of amazing in supporting the purchase of our new home! Professional, responsive, thorough, and personable, this incredible team worked tirelessly to get us a lower interest rate with less money down and a lower mortgage payment; and they made it all happen in less than 3 weeks!!!! I give my highest recommendation and strongest endorsement to the Steve Carter Mortgage team to handle any of your needs. I’ll never use another lender!!”

Frank Cervasio

St. Augustine, Florida

Dedicated

“Steve and his team helped my family buy our first home.. Honest, dedicated and worked really hard getting my family a home. If you are shopping for a new home, without a doubt Steve should be your first call.”

John Grose

Fruit Cove, Florida

Amazing Team

“Steve and his team went above and beyond to make our Jacksonville home happen. When our family relocated from another state, I was looking for someone to explain what we needed to do to get a home. Several lenders just told us that we didn’t qualify and then moved on.

Steve and his team explained the problems and helped us make a plan to get things taken care of. They didn’t give up on us and continued to check in on us to see how things were going. After two years of getting our ducks in a row, our family was ready to move from renters to homeowners.

Steve and his team have been amazing throughout the whole loan process. When Steve says he’s available anytime, he means it. Our family is grateful for his help and would highly recommend him to others.”

SASM72724

Jacksonville, Florida

We’re Ready to Help You Make Your Move to the First Coast

Call Us Today: (904) 379-4748

Or Send Us a Message

  • When We Connect, Ask About My Special Military Offer

    I'm currently offering military members and veterans $500 off the appraisal cost at closing. I'll be happy to discuss the details with you when we talk.

NMLS #209625

8613 Old Kings Rd. S., Suite 501 | Jacksonville, Florida 32217

(904) 379-4748

NMLS#392021

13400 Sutton Park Dr South | Suite #1502 | Jacksonville, FL 32224