Your Mortgage Source

Kathy Sanders
Senior Loan Officer

Welcome! I’m So Glad You’re Here!

As a native Floridian who grew up in beautiful St. Augustine, home and community have always meant a lot to me. I’m a proud mom of two girls, a dog lover, and happiest when I’m near the ocean!

As an experienced Mortgage Loan Originator, I believe getting a mortgage should feel personal—not overwhelming. My goal is to listen to your needs, explain your options in a way that makes sense, and help you find the right loan for you and your family.

I combine today’s secure digital technology with something I believe will never go out of style—good old-fashioned personal communication. You’ll always have someone you can call, ask questions, and count on throughout the process.

I’m especially passionate about giving back to those who serve others. As a Homes for Heroes affiliate and Certified Veteran Lending Specialist, it’s an honor to help our local heroes, veterans, and military families achieve their homeownership goals.

For me, this isn’t about simply closing a loan. It’s about building relationships, earning your trust, and hopefully becoming the person you think of whenever you, your family, or your friends need mortgage guidance for years to come.

When I’m not helping people with their home financing, you’ll usually find me spending time with my girls and my dogs or enjoying the Florida sunshine—preferably somewhere near the ocean!

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Loan Programs

There are several types of loan programs available for homebuyers, each with its own features, benefits, and eligibility requirements. Here are some of the most common loan programs:

Conventional (Fannie Mae & Freddie Mac) Loans

As Low as 3% Down Payment
Down Payment Assistance Available (Restrictions Apply)
620 Minimum Credit Score
Loan Terms from 10 to 30 Years
Down Payment Can be Gifted
Monthly Mortgage Insurance
Not Required with 20% or More Down Payment
Automatically Cancels at 78% LTV (Loan-to-Value)
$726,200 Maximum Loan Amount

Apply Now Learn More

FHA (Federal Housing Administration) Loans

3.50% Down Payment
Down Payment Assistance Available (Restrictions Apply)
580 Minimum Credit Score
Loan Terms from 10 to 30 Years
Down Payment Can be Gifted
1.75% Upfront Mortgage Insurance Premium
Financed into Loan Amount
0.55% Monthly Mortgage Insurance
Remains for Life of Loan (if Down Payment is < 10%)
$472,030 Maximum Loan Amount

Apply Now Learn More

FHA 203k (Home Renovation) Loans

3.50% Down Payment
Streamline 203k Loan
Use for Cosmetic and Common Repairs up to $35,000
Standard 203k Loan
Use for Extensive Repairs Over $5,000
620 Minimum Credit Score
Down Payment Can be Gifted
1.75% Upfront Mortgage Insurance Premium
Financed into Loan Amount
0.55% Monthly Mortgage Insurance
Remains for Life of Loan (if Down Payment is < 10%)
$472,030 Maximum Loan Amount

Apply Now Learn More

VA (Veterans Affairs) Loans

Zero Down Payment – 100% Financing
580 Minimum Credit Score
Loan Terms from 10 to 30 Years
2.30% Upfront Mortgage Insurance Premium (First-Time Use)
Financed into Loan Amount
Will Vary Depending on Down Payment and Subsequent Use
No Mortgage Insurance
No Maximum Loan Amount

Apply Now Learn More

First-Time Homebuyer Loans

Down Payment Requirements
Conventional – 3% (Can be Gifted)
FHA - 3.50% (Can be Gifted)
VA - 0% (Zero Down Payment)
USDA – 0% (Zero Down Payment)
Down Payment Assistance
Conventional – Up to 3% (Restrictions Apply)
FHA – Up to 3.50% (Restrictions Apply)
Credit Score Requirements
Conventional – 620+
FHA – 580+
VA – 580+
USDA – 640+

Apply Now Learn More

USDA (Rural Development) Loans

Zero Down Payment – 100% Financing
640 Minimum Credit Score
1.00% Upfront Mortgage Insurance Premium
Financed into Loan Amount
0.35% Monthly Mortgage Insurance
Remains for Life of Loan
Income and Property Areas Restricted

Apply Now Learn More

Investment Property Loans

20% Down Payment
620 Minimum Credit Score
DSCR (Debt Service Coverage Mortgage)
Qualify Based on Rental Income

Apply Now Learn More

Jumbo Loans

As Low as 10% Down Payment
680 Minimum Credit Score
Loan Terms from 10 to 30 Years
No Mortgage Insurance Option
Loan Amounts Over $726,200

Apply Now Learn More

Each loan program has its own unique features and requirements, so it's important for homebuyers to research and compare their options carefully to find the loan that best suits their financial needs and goals.

See If you qualify for a low down payment option

See how much you qualify for with our quick qualifier! Just enter your zip code to get started. We will tell you how much you qualify and send a pre-qualification letter on completion.
Get The Right Loan For You!

Whether you are looking to refinance to save on your monthly payments with today's historic low rates, or looking to get pre-qualified to compete with cash offers, we can help!
Fund Your Loan Today

With today's historically low rates, now is a great time to get financing. Complete our quick secure application, and we will get you a custom quote with different options and review which one best fits your needs!

Welcome To Nature Coast Mortgage

At Nature Coast Mortgage, we treat each customer as an individual, not a number. We take the time to understand your unique financial situation and homeownership goals, then help you explore mortgage solutions that best fit your needs. We provide access to a wide variety of loan programs and competitive financing options. Our goal is to help you compare available solutions and find the right mortgage for your circumstances.

We offer access to many types of loan programs, including Conventional, Jumbo, VA, Home Equity, Commercial, Fixed-Rate Mortgages (30-year, 20-year, 15-year, and 10-year terms), Adjustable-Rate Mortgages (ARMs), and investment property financing. Whether you're purchasing a primary residence, refinancing an existing loan, financing a multi-family property, or exploring options for a unique financial situation, our team is here to guide you through the process.