Mortgage Broker for Northeast Florida
247 Home Loans is a Florida-wide mortgage broker with its home base in Tampa Bay, and we help buyers and homeowners across Northeast Florida, from Jacksonville and the Beaches to Ponte Vedra and St. Augustine. We compare purchase and refinance options from more than 20 wholesale lenders.
Northeast Florida communities we serve
Start with our community pages:
- Mortgage broker in Jacksonville
- Jacksonville Beaches and Ponte Vedra
- St. Augustine area, including Nocatee and St. Johns
We also help buyers in Orange Park and elsewhere in Clay County, and anywhere else in the region.
What to plan for when buying here
- Military households connected to NAS Jacksonville and Naval Station Mayport, where VA financing is common.
- New construction with CDD and HOA fees in St. Johns County and southern Duval. Those fees count in your debt-to-income ratio, so we build them in from the start.
- Coastal condos and flood zones at the Beaches and St. Augustine, where condo association reviews and flood insurance matter.
- Older and historic homes in Jacksonville's historic neighborhoods and downtown St. Augustine, where insurers often ask for 4-point and wind mitigation inspections.
DSCR loans for Northeast Florida investors
Northeast Florida has a broad rental market, from Jacksonville single-family homes to beach condos and newer St. Johns communities. 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 city, county 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.
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
Can you help in Jacksonville if you're based in Tampa Bay?
Yes. We're licensed throughout Florida. Most of the process happens by phone and online, and closings are coordinated with a local title company.
Can I use a VA loan in Northeast Florida?
Yes, if you're eligible. VA loans are available to eligible veterans, active-duty service members and some surviving spouses, including families at NAS Jacksonville and Mayport.
Do CDD fees affect how much I can borrow?
They can. Lenders count CDD assessments and HOA fees as part of your monthly housing cost, so we include them when we estimate your price range.
Can I buy a Northeast Florida 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. Eligibility and terms depend on the lender and the property.
Other areas we serve
Florida-wide broker; home base Tampa Bay.
Talk with Chad about your Northeast Florida 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.