Mortgage Lenders in Jacksonville, Florida

Connect with 27 trusted mortgage lenders serving Jacksonville and surrounding areas

27
Mortgage Lenders in Jacksonville
129
Total Mortgage Professionals
6
Listings With an NMLS ID

Top Mortgage Lenders in Jacksonville, Florida

Browse 27 local mortgage lenders who understand the Jacksonville market and can help you secure competitive mortgage rates and terms.

Mortgage Lenders in Jacksonville, FL by the numbers

Of the 12 mortgage lenders in Jacksonville, FL that publish their loan programs, 9 (75%) offer conventional loans, 7 (58%) offer FHA loans and 7 (58%) offer VA loans.

Conventional loans9 of 12 (75%)
FHA loans7 of 12 (58%)
VA loans7 of 12 (58%)
HELOCs and home equity loans7 of 12 (58%)
Jumbo loans6 of 12 (50%)
USDA loans5 of 12 (42%)
First-time buyer programs5 of 12 (42%)
Non-QM loans4 of 12 (33%)
Bank statement loans4 of 12 (33%)
Down payment assistance3 of 12 (25%)
DSCR (investor) loans3 of 12 (25%)
Construction loans3 of 12 (25%)
  • 2
    advertise 3.5% down or less, including 1 with a 0% down option (typically VA or USDA)
  • 620
    lowest advertised minimum credit score
  • 5 / 0
    licensed in one state only / licensed nationwide (of 9 with licensing data)

Source: FindHomeLenders review of each lender's own website, data through July 2025. Counts cover the 12 of 27 listed mortgage lenders that publish loan program details. Programs and requirements change, so confirm with the lender and check their NMLS ID before applying.

Why Choose Local Mortgage Lenders in Jacksonville?

Local Market Expertise

Jacksonville mortgage lenders have intimate knowledge of local property values, neighborhood trends, and lending requirements specific to Florida. This expertise can help you navigate the local market more effectively.

Personalized Service

Working with local mortgage lenders means face-to-face meetings, immediate response times, and personalized attention throughout your mortgage process. They understand your community and can provide tailored solutions.

Competitive Rates & Terms

Local mortgage lenders often have relationships with multiple lenders and can shop around to find you the best rates and terms available in the Jacksonville market.

Community Connections

Benefit from established relationships with local real estate agents, appraisers, inspectors, and other professionals involved in your home buying or refinancing process.

Frequently Asked Questions

How do I choose the right mortgage lender in Jacksonville?

Shortlist at least three mortgage lenders in Jacksonville, ideally mixing a credit union or community bank with a broker or direct lender. Look up each one's NMLS ID on NMLS Consumer Access to confirm they are licensed in Florida, then request a Loan Estimate from each and compare the APR and closing costs, not just the rate. Our guide to finding a mortgage lender walks through each step.

What questions should I ask a mortgage lender?

Ask about their experience in the Jacksonville market, loan products they offer, interest rates, closing costs, timeline for approval, and their process for handling your application. Don't hesitate to request references from recent clients.

Are Jacksonville mortgage lenders better than online lenders?

Local mortgage lenders offer personalized service, local market expertise, and face-to-face support that online lenders typically can't match. However, rates and terms should be compared to ensure you're getting the best deal for your situation.

Ready to Connect with Jacksonville Mortgage Lenders?

Get matched with the perfect mortgage lender from our network of 27 local professionals