Mortgage Broker in Jacksonville, FL
247 Home Loans helps buyers and homeowners across Jacksonville, from Southside and the Intracoastal West to Mandarin, Riverside and Avondale. As an independent broker, we compare purchase and refinance options from more than 20 wholesale lenders.
Jacksonville areas we serve
- Southside and the Intracoastal West: neighborhoods around Tinseltown, the Town Center area and along J. Turner Butler Boulevard
- Mandarin and Bartram Park: established neighborhoods and newer communities toward the St. Johns County line
- Riverside, Avondale and San Marco: historic homes near downtown
- Arlington and the Northside: a wide range of single-family homes and townhomes
Jacksonville and Duval County share a consolidated government, so most addresses in the county are within the city.
What to plan for when buying in Jacksonville
- VA loans: with NAS Jacksonville and Naval Station Mayport nearby, many buyers use VA financing. If you receive PCS orders, we can talk through keeping the home as a rental.
- Historic homes: Riverside, Avondale and San Marco homes may need 4-point and wind mitigation inspections, and needed repairs can affect the appraisal.
- New construction: newer communities may carry HOA and CDD fees, which count in your monthly housing cost.
- Flood zones: areas near the St. Johns River, creeks and the Intracoastal can be in FEMA flood zones.
DSCR loans for Jacksonville investors
Jacksonville's large rental market makes single-family homes, townhomes and small multifamily common investment purchases. With a DSCR (debt-service coverage ratio) loan, you qualify on the property's rental income instead of your personal income. DSCR loans are for investment properties only, and the loan can often be held in an LLC, subject to lender guidelines. Rental rules vary by zoning and association, so confirm what's allowed first.
Working with a Tampa Bay-based broker
247 Home Loans is a Florida-wide mortgage broker with its home base in Tampa Bay. You don't need to come to Tampa: applications, documents and disclosures are handled online and by phone, and closings are coordinated with a local title company. Depending on the lender and title company, you may be able to sign with a mobile notary or through remote online notarization.
Near the coast? See our Jacksonville Beaches page or the St. Augustine area page, or the Northeast Florida overview. For Jacksonville proper, see our Jacksonville page.
Loan programs we offer
- Conventional and jumbo purchase and refinance
- FHA, VA and USDA (in eligible areas)
- Bank-statement and other non-QM loans
- DSCR loans for investors
- Construction loans
Your loan officers
- Chad Morris, Owner & Loan Officer, NMLS #352539
- Dave Rodgers, Loan Officer, NMLS #363840
Frequently asked questions
I'm stationed at NAS Jax or Mayport. Can I use a VA loan?
Yes, if you're eligible. VA loans are available to eligible veterans, active-duty service members and some surviving spouses. We'll help you get your Certificate of Eligibility and compare VA with other options.
Can I finance a historic home in Riverside or San Marco?
Yes. Older homes may need 4-point and wind mitigation inspections for insurance, and needed repairs can affect the appraisal. Renovation loans can sometimes fund repairs along with the purchase.
Is flood insurance required in Jacksonville?
It depends on the flood zone. If the home is in a FEMA special flood hazard area and you have a federally backed loan, flood insurance is required. We'll check the zone early.
Can I buy a Jacksonville rental with a DSCR loan?
Yes. DSCR loans qualify on the property's rental income instead of your personal income, are for investment properties only, and can often be held in an LLC.
Do I have to come to Tampa to close?
No. We handle the loan by phone and online, and closings are coordinated with a local title company, often with a mobile notary or remote online notarization when the lender and title company allow it.
Other areas we serve
Florida-wide broker; home base Tampa Bay.
Talk with Chad about your Jacksonville purchase
Call or text Chad at 813-495-9542, or apply online. Florida-wide broker; home base Tampa Bay. No obligation, and no credit check just to talk.