Curated by
Ema Perez Interiano
Ema Perez Interiano is a real estate professional with ERA ONETEAM, serving St. Augustine and St. Johns County. She brings local market knowledge to help buyers and sellers navigate every step of the process across Northeast Florida.
stacklist.com/ema-perez-interiano
Ema Perez Interiano is a real estate professional with ERA ONETEAM, serving St. Augustine and St. Johns County. She brings local market knowledge to help buyers and sellers navigate every step of the process across Northeast Florida.
More from Ema Perez Interiano
See all stacks →Shopping in St. Johns County
8 cards · Places
Nature & Outdoor Activities Near St. Augustine
8 cards · Travel
Food & Dining in St. Augustine
8 cards
Conventional vs. FHA Loans for St. Augustine Buyers
FHA loans allow a lower down payment, as little as 3.5%, and more flexible credit requirements, making them a common choice for first-time buyers in more affordable pockets of St. Johns County. Conventional loans often make more sense for buyers with stronger credit and 20% down. Choosing the right loan type shapes both your monthly payment and how competitive your offer looks to sellers.