Elaine Ritter - NMLS 1500093

05/30/2026

I am now back to the wholesale mortgage broker world and working for Capstone Mortgage! Excited to work with wholesale lenders UWM, Neptune and KindLending again among many others.

04/20/2026

https://www.realtor.com/realestateandhomes-detail/708-S-14th-St_Fernandina-Beach_FL_32034_M63931-21815?oem=b_rent

This Backyard!

04/17/2026

This Grant Program is Still available!! It wont be for long so think about who needs it! It is a $15,000 grant awarded by The federal Home Loan bank of Atlanta to give back! Home Buyers can use this grant so that they only have to bring $1500 to closing themseles. Households must be between 80-120% Area Median Income which means $81,840 to $122,760 in Nassau and Duval County FL. Available In GA and FL!

Contact @firstportcity.com for more infomation and additional states.

Here is the income look-up tool for the grant program.
https://ami-lookup-tool.fanniemae.com/amilookuptool/

More on Loan Officer Anita Rabon who I refer these loans to. She is absolutley wonderful!! She works from her home in Columbus, GA and is licensed in Florida and Georgia.

https://www.facebook.com/anita.rabon.9022
https://www.firstportcity.com/team/anita-rabon/

Guys the Big thing on this is that it is a True Grant! It does not have to be paid back. It is forgiven right away. You do not have to be a First time home buyer or community worker. Your household does however have to be in the 80-120% income bracket for your address, All people in the household that have income must be included in the calculation even if they are not on the loan.

I dont believe the interest rate on the primary Loans is greater becuase of the grant either but please double check with my friend and colleauge Anita Rabon. [email protected]

Picture is of last years flyer when I was a loan officer at First Port.

04/17/2026

Realtors check out this free Marketing Class. Its half way done but still worth signing up for! Do it with me!

LIVE Now! Free Marketing Masterclass. Link in comments

04/16/2026

https://www.realtor.com/realestateandhomes-detail/M6593834560

New listing alert in Flora Park!

For Sale: View 58 photos for 31205 Grand Parke Blvd, this 3 bed, 2 bath, 2219 sqft. single family home in Fernandina Beach, FL listed at $539,900. MLS #115675

04/10/2026

LIVE Now! Free Marketing Masterclass. Link in comments

04/09/2026

Ketch Courtyard Condo!

https://www.zillow.com/homedetails/3150-S-Fletcher-Ave-APT-403-Fernandina-Beach-FL-32034/45935462_zpid/?utm_campaign=iosappmessage&utm_medium=referral&utm_source=txtshare

Paint would go so far on this one! 💕 🐚 love the pool and kitchen.

Call me about home loans 😊 call Summer House Realty for questions about the condo.

12/29/2025

apply now! www.elaineritter.com