The lenders I refer my buyers to. Real local people who close on time and pick up the phone. Tell them I sent you.
Real monthly numbers — principal, interest, taxes, and insurance. Estimates only; your lender's quote is the real one.
Excludes HOA/CDD fees and PMI. For VA loans there's no PMI ever — ask me how the funding fee works. Estimates are not a loan offer.
Get a Real Quote IntroFor eligible veterans, active duty, and surviving spouses. 0% down, no PMI, competitive rates.
Best for: Veterans buying primary residences in NE Florida.
Get an IntroLow down payment (3.5%), flexible credit requirements. Great for first-time buyers.
Best for: First-time buyers with credit scores 580+.
Get an Intro3-20% down, no PMI at 20%+. The standard loan for most buyers in the market.
Best for: Buyers with 5%+ down and good credit.
Get an IntroLoans above conforming limits. Often used for $750K+ homes in Ponte Vedra, St. Johns, and luxury Jacksonville areas.
Best for: Higher-end buyers with strong income docs.
Get an Intro0% down for eligible rural properties. Several NE Florida areas qualify (Callahan, parts of Clay County, etc.).
Best for: Buyers in qualifying rural areas with moderate income.
Get an IntroFor new construction or major renovations. One-time-close construction-to-permanent loans available.
Best for: Buyers building new or doing major renovations.
Get an IntroNo. You're free to use whoever you want. But the lenders I refer have closed dozens of my deals, they know the process, they're local, they answer the phone, and they don't surprise us at closing. If you're using your own lender, just let me know early and I'll communicate with them.
Pre-approved. Pre-qualification is a quick estimate; pre-approval involves actual underwriting and gives you a real letter you can put with an offer. Pre-approval is what sellers want to see.
Higher scores = lower rates. Generally 740+ gets the best conventional rates, 680+ is solid, 620+ qualifies for most conventional/VA/FHA loans. Below 620, FHA may still work. We'll talk through your situation in our first call.
The rule of thumb is total housing costs (mortgage, taxes, insurance, HOA) under 28% of gross monthly income. But the better question is what you're comfortable paying, not what a bank will let you borrow.
Private Mortgage Insurance is required on conventional loans with less than 20% down. It's roughly $50-$200/month depending on loan amount. VA loans don't have PMI. Once you have 20% equity, you can request PMI removal.
Send me a quick note about your situation, first-time, VA-eligible, jumbo, etc., and I'll connect you with the right person.