St. Augustine Beach

Home Loans

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St. Augustine Beach Home Loans.

Whether you are a first time home buyer or trading up to a larger home in St. Augustine Beach, we work to find the best home loan solution in st. augustine beach for you. Constantly surveying the hundreds of mortgage lenders as well as anonymously testing their staff, we are always aware of the conditions of the home loan market as well as the lenders involved in it.

Best Lender For St. Augustine Beach Home Loans

Unfortunately, the subprime mortgage crisis has caused dramatic changes in the lending climate. Many lending institutions have suffered tremendous losses and as a result have tightened their lending standards drastically. Whereas it used to be very, very easy to meet the requirements in order to get approved, it is now much more difficult with most lenders. When searching for a mortgage lender in St. Augustine Beach, it is important to find one that not only offers the lowest rates, but also has not tightened lending standards to the point that only a tiny percentage of applicants will qualify. At the top of our list right now is your local credit union. They have the lowest rates, a free and easy online application, and they have not been severely hurt by the subprime mortgage crisis.  They are still approving the majority of applications.

St. Augustine Beach Florida Overview & Statistics

St. Augustine Beach Overview

As of 2007, St. Augustine Beach's population is 5,823 people. Since 2000, it has had a population growth of 24.34 percent.

The median home cost in St. Augustine Beach is $519,900. Home appreciation the last year has been -4.95 percent.

Compared to the rest of the country, St. Augustine Beach's cost of living is 20.26% Higher than the U.S. average.

St. Augustine Beach public schools spend $5,416 per student. The average school expenditure in the U.S. is $6,058. There are about 18 students per teacher in St. Augustine Beach.

The unemployment rate in St. Augustine Beach is 2.70 percent(U.S. avg. is 4.60%). Recent job growth is Positive. St. Augustine Beach jobs have Increased by 2.52 percent.

St. Augustine Beach Climate

St. Augustine Beach, FL, gets 48 inches of rain per year. The US average is 37. Snowfall is 0 inches. The average US city gets 25 inches of snow per year. The number of days with any measurable precipitation is 108.

On average, there are 221 sunny days per year in St. Augustine Beach, FL. The July high is around 90 degrees. The January low is 46. Our comfort index, which is based on humidity during the hot months, is a 29 out of 100, where higher is more comfortable. The US average on the comfort index is 44.

St. Augustine Beach Housing

The median home value in St. Augustine Beach, FL, is $519,900. Home appreciation is -4.95% over the last year. The median age of St. Augustine Beach, FL, real estate is 19 years.

St. Augustine Beach, FL Apartments and Rentals

Renters make up 27.25% of the St. Augustine Beach, FL, population. 30.54% of houses and apartments in St. Augustine Beach, FL, are unoccupied (vacancy rate).

St. Augustine Beach Crime

St. Augustine Beach, FL, violent crime, on a scale from 1 (low crime) to 10, is 1. Violent crime is composed of four offenses: murder and nonnegligent manslaughter, forcible rape, robbery, and aggravated assault. The US average is 3.

St. Augustine Beach, FL, property crime, on a scale from 1 (low) to 10, is 2. Property crime includes the offenses of burglary, larceny-theft, motor vehicle theft, and arson. The object of the theft-type offenses is the taking of money or property, but there is no force or threat of force against the victims. The US average is 3.

For related resources see also:

www.staugbch.com

St. Augustine Beach Real Estate Agents

Florida First Time Home Buyers Grants

Florida First Time Home Buyer Programs

Florida Home Loan