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Preferred Mortgage Lenders
Buying property in Hastings, East Palatka, rural Putnam County, and St. Augustine often begins with understanding financing options. The lenders below are professionals who assist buyers purchasing homes, land, farms, and investment properties throughout Northeast Florida.
Different lenders specialize in different types of financing, and choosing the right lender for the property and buyer’s situation can make the process smoother and more successful.

Preferred  Mortgage Lender Tristan Pearrow – Florida Mortgage Pro

For most mortgage scenarios, Tristan Pearrow with Geneva Financial is our preferred mortgage professional. His company offers a wide variety of loan programs designed to meet the needs of many different buyers, making it possible to find financing solutions for a broad range of property types and financial situations.




Tristan assists buyers purchasing homes, investment properties, and rural properties throughout Hastings, East Palatka, rural Putnam County, St. Augustine and throughout Florida!. He works with first-time buyers, relocating buyers, investors, and buyers seeking specialized financing options.
An additional advantage is that Tristan is local and part of the community, living in Hastings and serving buyers throughout North East Florida. Working with a local mortgage professional who understands the area can be especially helpful for buyers purchasing property in Hastings, East Palatka, and rural Putnam County, where financing requirements for rural homes, land, or homes with acreage may differ from traditional residential properties.
Contact Information
Tristan Pearrow
Mortgage Loan Officer & Advisor
Phone: 904-735-1895
Email: tpearrow@genevafi.com
Website


Tristan Pearrow's loan options: Florida Mortgage Programs
Traditional Financing
Down Payment Assistance
Hometown Heroes
Investor Financing
All in One Loan
Renovation Loans
No Income Verification Loans
Non-QM Loans
Portfolio Loans
Rural and Hobby Farm Loans
No Credit Score and Low Credit Score Loans

Additional Specialty Lending Options
While most buyers will find suitable financing through our preferred mortgage partner, some transactions may require more specialized lending solutions. Certain property types, buyer qualifications, or unique financial situations may benefit from working with lenders who focus on specific loan programs such as agricultural financing, foreign national loans, or other specialized mortgage products. For these situations, the following professionals offer additional lending resources that may assist buyers purchasing property in Hastings, East Palatka, rural Putnam County, and St. Augustine.

Farm, Land & Acreage Financing
Lindsey Wimberley – Farm Credit of Florida
Buyers purchasing farms, agricultural land, or homes with acreage may benefit from working with lenders who specialize in rural property financing.
Lindsey Wimberley with Farm Credit of Florida provides financing solutions designed specifically for agricultural land, rural homesites, and farm properties throughout Northeast Florida.
Contact Information
Lindsey Wimberley
Loan Officer
Farm Credit of Florida
NMLS #1724312
Phone: 386-385-7208
Website


Additional Mortgage Option
Kara Holleran – Florida Mortgage Funding
For buyers who would like to explore additional mortgage options, Kara Holleran with Florida Mortgage Funding is another experienced loan professional known for efficient communication and smooth transactions.
Contact Information
Kara Holleran
Florida Mortgage Funding
NMLS #300761
Email: KaraHolleran@hotmail.com

Foreign National Mortgage Programs
International buyers interested in purchasing property in Hastings, East Palatka, rural Putnam County, or St. Augustine may qualify for specialized Foreign National mortgage programs designed for buyers who do not reside in the United States.
These programs may allow qualified buyers to purchase or refinance U.S. real estate without traditional U.S. credit history or income documentation.
Foreign National Loan Contact
Ronald Cika
Millennium Mortgage
Phone: 954-868-6881
NMLS ID: 317993
Website


Cryptocurrency-Backed Real Estate Financing
Some buyers hold a portion of their wealth in Bitcoin, Ethereum, or other digital assets. In certain situations, buyers interested in crypto real estate transactions in Florida, or those looking to buy property with Bitcoin in Florida, may qualify for specialized cryptocurrency-backed mortgage programs.
These programs allow buyers to use cryptocurrency holdings as collateral for financing rather than liquidating their digital assets.
One example provider offering cryptocurrency-backed mortgage programs is:
Milo – Crypto Mortgage Lending
Website

Buyers interested in crypto mortgages in Florida can also visit our Cryptocurrency Real Estate page to learn how digital assets may be used in real estate transactions.

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What my clients are saying  

Astrid went above and beyond for the sale of our home in Hastings FL! She had wonderful ideas about how to spruce up the outside and organize the inside to make the home more appealing. She was very hands on and handled many things for us as we live in another state. She is kind, trustworthy and extremely professional. We were so fortunate to have her!

 

~ nydandegirl

Astrid is extremely knowledgeable about the areas she serves, knows practical information that other realtors do not possess, and makes every effort to keep in communication along the buying process. I've worked with several realtors in purchasing properties, and none come close to Astrid's expertise. I've worked with her on several transactions, and would not hesitate to consult her again.

 

~ rimbo61

I was in need of a realtor in Hastings, Florida. Not living in Florida, I was concerned that selling my property would be a difficult task. I needed someone that I could trust and knew what they were doing. Astrid was recommended to me by an acquaintance based on her experience as a Accredited Land Consultant. Upon my first contact with her I knew she was the right person for the task. She was friendly, professional, and very responsive to all my needs. She took me through the process step by step making it a very easy and pleasant experience. I would recommend Astrid to anyone in need of a highly skilled and professional relator.

 

~ preacherman3

Astrid is very professional, has great communication skills and will always keep you updated with the status of the transaction. Because of her expertise in the area she serves, she is extremely helpful with navigating through the entire process. She will be straight with you about the best approach, not just tell you what you want to hear, and I really appreciated that because I think it shows she has your best interest at heart. I am happy to say I highly recommend her.

 

~ Aricka

Astrid is an outstanding broker, pays attention to every detail, is very knowledgeable , is a great negotiator and is wonderful to work with. I give he my highest recommendation

 

~ Stan Levy

In an effort to sell our family farm, we interviewed three different realtors specializing in ranches. Astrid was our unanimous choice. Her marketing plan proved to be a real winner. Very soon the calls, emails and showings began. Within three weeks of listing the Ranch we received an asking price offer. While in escrow Astrid worked very hard and was available for questions on a daily basis. Thanks to Astrid, the Ranch closed two weeks early. Great job, Astrid. Thank You!!!

 

~ Eric Anderson

Astrid is the best broker/agent I have ever worked with. She is very professional and personal. She was always in contact with us letting us know the status of the sale of our house. During the whole process we were updated continually during the sale. At times when we didn't understand some of the paper work, she would take the time and explain step by step. If you are looking for a great agent, she's the BEST to have working for you. I highly recommend Astrid for your agent!

 

~ Pam B

As German citizens living in Munich, we purchased a condo in St Augustine, FL as a rental investment and were thrilled to have Astrid Armani as our Realtor®. She guided us through the entire process with expert advice, German-language support, and video tours. From translating documents to connecting us with a German-speaking notary and property manager, Astrid made everything seamless. We highly recommend her to anyone—especially fellow Germans—looking to buy or sell real estate!

 

~ A Stengel

Astrid did an excellent job assisting me with my property purchase in rural Putnam County. Sent me relevant listings, answered all my questions quickly. Very fast to answer phone and texts. Especially helpful with closing ,helping with every step. Astrid caught an overcharge from title company and saved me money, calling them and having it fixed promptly. Thank you so much for all of your hard work

 

~ Goldensaasafras

Astrids knowledge or rural properties was invaluable in the sale of out homestead. She was great at communicating and keeping us informed on the status of the transaction. I would highly recommend this agent to sell or buy homes and ranches.

 

~ Tim Storey

As a real estate lawyer I deal with a lot of brokers. Astrid was one of the best I have ever encountered. She was extremely professional and her knowledge of the area market was invaluable. She was proactive in dealing with our home and responsive to all inquires, not an easy task when the property was owned by 4 sellers who had their own sets of questions. We would not hesitate to use Astrid again and would recommend her without reservation.

 

~ C. Dolan

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