Expertise.com Homepage

2024

Last updated:

Best Mortgage Brokers in Jacksonville, FL

Our Recommended Top 20

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Jacksonville Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

215Reviewed

137Curated

20Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

450 S Orange Ave 3rd Floor Suite 379, Orlando, FL 32801
WebsiteLicense: 2412313

Expertise.com Rating

Review Sources

Google
4.9 (201)
Yelp
5.0 (3)

Why choose this provider?

Mortgage Expert delivers various brokers' services to customers in Jacksonville. The crew has home purchase options for first-time real estate buyers and seasoned property investors. Refinancing products are available to take advantage of more favorable terms that arise after a debt is initially inked. The choices include conventional and government-backed Jumbo, FHA, and Veteran's loans. The broker's website has various calculators and search tools that provide initial information for readers before formally meeting with an expert.

  • Investment Property
  • Conventional Mortgages
  • Mortgage Refinance
  • Mortgage Lenders
  • Mortgage Brokers

Jacksonville, FL

Expertise.com Rating

Why choose this provider?

Need help contacting a Mortgage Broker in Jacksonville? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

13400 Sutton Park Dr South, Suite 1502, Jacksonville, FL 32224

Expertise.com Rating

Review Sources

Google
4.7 (44)

Why choose this provider?

First Florida Mortgage is a brokerage with two offices in Jacksonville and one in Orange Park. It offers a wide range of mortgage products, from condo, jumbo, and manufactured home to USDA and VA loans. Its team also helps clients apply for new construction loans, which suit borrowers who need to fund construction projects before applying for long-term funding. First Florida Mortgage is headed by Brandon Sheasley, who previously worked for Wells Fargo, JP Morgan Chase, and Bank of America. He has 20 years of experience.

  • FHA Loans
  • New Construction

Jacksonville, FL
WebsiteLicense: 1951574

Expertise.com Rating

Review Sources

Google
5.0 (796)
Facebook
4.9 (146)

Why choose this provider?

Agave Home Loans offers mortgage loans to homebuyers in Jacksonville. This independent broker represents hundreds of lenders and helps clients navigate their options. Agents of the company work with clients from their search for the most suitable loan products to the application process. Some of the popular mortgage loans they provide are FHA, VA, non-qualifying, and conventional. Having spent seven years in mortgage lending with a big box lender, COO Doug Wang formed Agave Home loans with Marshall Gotlieb.

  • Refinance

1909 Beach Boulevard, Suite 203, Jacksonville, FL 32250

Expertise.com Rating

Review Sources

Zillow
5.0 (2)

Why choose this provider?

Brian Foose is a loan originator who has been working with FBC Mortgage since 2017. He caters to clients in the Jacksonville metro and the surrounding areas. He helps individuals achieve their homeownership dreams by offering different types of loan programs. These include 203k rehab, construction perm, jumbo, FHA, USDA rural housing, and VA loans. Adjustable and fixed rate, foreign national, and reverse mortgages are also available. Foose started his career in the mortgage industry in 2013.

  • New Construction
  • Refinance

198 Anthem Ridge Drive, Ponte Vedra, FL 32081

Expertise.com Rating

Review Sources

Google
5.0 (41)
Facebook
5.0 (3)
Zillow
5.0 (2)

Why choose this provider?

Smart Home Loans is a full-service Ponte Vedra-based mortgage company providing residential and commercial loan options to Jacksonville, Broward, and Duval clients. Its team assists with buying or refinancing a property through its purchase loan programs. These programs include FHA, VA, Jumbo, HomePath, commercial, and conventional loans. Refinancing options like FHA and VA streamlines and cashouts are also available. In addition to loan and refinancing, the business also offers niche programs, including down payment assistance and credit repairs.

  • Refinance

11481 Old Saint Augustine Road, Jacksonville, FL 32258
WebsiteLicense: 376205

Expertise.com Rating

Review Sources

Google
5.0 (91)
Zillow
5.0 (13)

Why choose this provider?

Coast2Coast Mortgage is a team of experienced loan experts with a commitment to providing the highest quality of service and care. The company offers an extensive selection of loan options for homeowners, first-time buyers, and rural home buyers, providing up-to-date information to help customers make sound financial decisions to meet any needs, goals, and budgets. The company's staff provides complete support to customers through every stage of the lending process, answering questions and quickly addressing concerns. The company's website also features a convenient online loan application for loan pre-approvals.

  • NMLS#376205
  • Refinance

8833 Perimeter Park Blvd Suite 403, Jacksonville, FL 32216

Expertise.com Rating

Review Sources

Google
4.9 (103)
Facebook
5.0 (34)
Zillow
5.0 (28)

Why choose this provider?

Mortgages by Linda caters to customers residing in the Jacksonville metro. The company assists them in obtaining mortgages based on their needs and their specific financial situation. Its team of experts helps clients with a minimum credit score of 640 in acquiring a conventional loan. They also deal with other program options, such as FHA, VA, and USDA loans. Linda Garcia, the firm's owner, has been in the industry for more than two decades.

  • Refinance

3227 Atlantic Blvd, Jacksonville, FL 32207

Expertise.com Rating

Review Sources

Google
5.0 (164)
Facebook
5.0 (10)

Why choose this provider?

First Down Mortgage is a team of loan officers based in Jacksonville. They guide borrowers through the process of obtaining loans, which involves assistance in selecting suitable loan options. They also submit documents to lenders and coordinate with closing agents on clients' behalf. Additionally, the mortgage brokers help clients refinance current loans, whether they need to consolidate debt or lower interest rates. First Down Mortgage's team members have access to loan programs from multiple lenders, allowing them to find suitable terms and rates for clients.

  • New Construction

315 11th Ave North Suite B, Jacksonville Beach, FL 32250

Expertise.com Rating

Review Sources

Facebook
5.0 (299)
Google
5.0 (28)
Yelp
5.0 (2)

Why choose this provider?

Michael Keller is a mortgage broker who serves individuals in Jacksonville and nearby locations. He helps home buyers achieve their investment properties by providing them with various loan programs. He processes interest-only, reverse, graduated payment, and adjustable-rate mortgage loans. The agent also assists clients in obtaining FHA, FHA, HARP 2.0, and hybrid ARM programs. Keller guides customers throughout the real estate transaction and helps them improve their FICO credit scores. He works at Future Home Loans, a refinancing company established in 2017.

  • Multi-Family Loans

3400 Kori Rd Ste 4, Jacksonville, FL 32257

Expertise.com Rating

Review Sources

Facebook
5.0 (25)
Google
5.0 (23)

Why choose this provider?

Mortgage services are offered by Forever Home Loans to clients in Jacksonville. It is a full-service broker that offers purchase and refinancing loans. It helps buyers acquire new homes and provides clients with refinancing loans to get lower monthly payments. Its mission is to match customers with the mortgage that suits their personal situation by offering FHA, USDA, VA, conventional, and jumbo loan programs. Its mortgage options include adjustable ARM, interest only, fixed rate, and graduated payments.

  • Refinance

7751 Belfort Parkway Suite 180, Jacksonville, FL 32256

Expertise.com Rating

Why choose this provider?

McDonald Mortgage Team is a firm that serves individuals and families throughout Jacksonville and the neighboring areas, helping clients secure mortgage solutions that fit their unique needs. Its agents offer various loan program options such as FHA loans, VA loans, jumbo loans, and USDA loans for clients who are looking into buying their first home or refinancing their current mortgage. Team leader Jeremy McDonald has over 15 years of retail mortgage and commercial financing experience. He and his team have helped more than 1,400 families with homeownership.

  • Reverse Mortgages

673 Kingsley Avenue, Orange Park, FL 32073

Expertise.com Rating

Review Sources

Google
5.0 (89)
Zillow
5.0 (22)
Facebook
5.0 (12)

Why choose this provider?

First Look Home Loans is a team of mortgage brokers serving Jacksonville and nearby locations. They help homebuyers select from a wide variety of loan programs, including conforming, jumbo, and super jumbo loans. They also guide clients through the process of applying for government-backed loans such as VA and FHA. Additionally, they offer home refinance loans, catering to clients looking to reduce interest rates or change mortgage terms. Eric Williams, one of the firm's managing partners, has over 15 years of industry experience.

  • Refinance

7775 Baymeadows Way Suite 310, Jacksonville, FL 32256

Expertise.com Rating

Review Sources

Google
5.0 (144)
Zillow
4.9 (37)

Why choose this provider?

Fiber Mortgage offers home loan solutions for individuals in Jacksonville and the surrounding locations. Its team guides clients throughout the process, from pre-qualification stage up to closing. The loan professionals assist first-time homebuyers. They help clients apply for loans suitable for condo and condotel purchases. Additionally, they offer loan programs for homeowners looking to refinance mortgages to lower monthly payments and interest rates. Fiber Mortgage's team members were commended by former clients for being responsive to questions via call and text.

  • New Construction

6817 Southpoint Parkway 1002, Jacksonville, FL 32216

Expertise.com Rating

Review Sources

Google
5.0 (19)

Why choose this provider?

Florida Mortgage Corp serves residents of Jacksonville and the surrounding areas. It offers a wide range of mortgage products and investment tools to help clients achieve their homeownership goals. It has various loan programs for home purchase and refinancing, including jumbo, FHA, USDA, and VA loans. It helps customers acquire loans for a variety of properties, including single-family homes, condominiums, multi-family residences, manufactured homes, and townhouses. Its mortgage rate options include adjustable ARM, graduated payment, interest-only, and fixed-rate.

  • Refinance

145 Hilden Rd Suite 115, Ponte Vedra, FL 32081

Expertise.com Rating

Review Sources

Facebook
4.5 (74)
Google
4.6 (47)
Yelp
5.0 (1)

Why choose this provider?

River City Mortgage offers first-time buyers and seasoned investors in Jacksonville mortgage programs to fund their home purchases. Its team of brokers presents a variety of home loan programs and tools based on its clients' needs and budgets. They provide conventional purchase and refinancing, FHA and VA, FHA streamline, and non-QM loans. Clients can use the calculator on its website to estimate the amount they can afford. River City Mortgage was established in 2008 and is co-owned by Nick Hunter and Dan Hutzelman.

  • Refinance

8833 Perimeter Park Blvd, Jacksonville, FL 32216

Expertise.com Rating

Review Sources

Zillow
5.0 (573)
Facebook
4.5 (57)
Google
4.6 (47)

Why choose this provider?

Bayway Mortgage Group is a team of independent loan professionals serving borrowers in Jacksonville. Whether clients are looking to fund their first homes or refinance outstanding loans, they help them apply for various mortgage products such as conventional, jumbo, and USDA loans. They also offer specialty products, including renovation, bank statement, and investor loans. They find suitable terms and rates for borrowers by reviewing programs from numerous lenders. Bayway Mortgage Group has been headed by Edward Carlton since 2013.

  • New Construction
  • Refinance

1629 Race Track Rd Ste 103, Saint Johns, FL 32259

Expertise.com Rating

Review Sources

Google
5.0 (38)

Why choose this provider?

Founded in 2010, Parco Finance LLC is a mortgage broker serving clients in Jacksonville. It offers mortgage loan programs for homeowners, homebuyers, sellers, and investors. Its real estate financing services include jumbo, cash-out, USDA, and FHA loans. The brokerage caters to clients whose situations call for no document, full document, non-owner occupied, and multi-family mortgage loans. Parco Finance has closed more than $100 million in home loans. It has a mortgage calculator to help clients project their potential expenses.

  • Refinance

6206 Atlantic Blvd., Ste. 1, Jacksonville, FL 32211

Expertise.com Rating

Review Sources

Google
5.0 (452)
Facebook
4.7 (28)
Zillow
5.0 (2)

Why choose this provider?

Watson Mortgage Corp. offers a variety of home loan options to the residents of Jacksonville and the surrounding areas. Its team of loan originators assists clients in finding the right mortgage for their needs. They guide people through each step of the process, from application to approval and closing. Its programs include jumbo, VA, FHA, and USDA loans. Watson Mortgage has been helping customers achieve their dream of homeownership for more than 25 years.

  • Refinance

10151 Deerwood Park Blvd, Suite 250 Building 200, Jacksonville, FL 32256

Expertise.com Rating

Review Sources

Google
4.8 (96)
Zillow
4.9 (46)
Facebook
4.8 (31)

Why choose this provider?

Family-owned and family-operated 369 Home Loans has been serving clients in Jacksonville and the surrounding locations since 2014. It offers a variety of mortgage loan programs for homeowners, homebuyers, and investors, including fixed-rate, investment property, jumbo, FHA, and VA loans. The local brokerage also provides cash-out refinance, low down payment, and first-time homebuyer loan options. A mortgage calculator is provided to help clients project their potential expenses. Consistent and honest communication from 369 Home Loans has helped families achieve their homeownership goals.

  • Refinance
  • Multi-Family Loans

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
The Mortgage Expert
450 S Orange Ave 3rd Floor Suite 379, Orlando, FL 32801Call for estimate
First Florida Mortgage
13400 Sutton Park Dr South, Suite 1502, Jacksonville, FL 32224
Agave Home Loans
Jacksonville, FL
Brian Foose
1909 Beach Boulevard, Suite 203, Jacksonville, FL 32250
Smart Home Loans
198 Anthem Ridge Drive, Ponte Vedra, FL 32081
Coast2Coast Mortgage
11481 Old Saint Augustine Road, Jacksonville, FL 32258
Mortgages by Linda
8833 Perimeter Park Blvd Suite 403, Jacksonville, FL 32216
First Down Mortgage
3227 Atlantic Blvd, Jacksonville, FL 32207
Michael Keller
315 11th Ave North Suite B, Jacksonville Beach, FL 32250
Forever Home Loans
3400 Kori Rd Ste 4, Jacksonville, FL 32257
McDonald Mortgage Team
7751 Belfort Parkway Suite 180, Jacksonville, FL 32256
First Look Home Loans
673 Kingsley Avenue, Orange Park, FL 32073
Fiber Mortgage
7775 Baymeadows Way Suite 310, Jacksonville, FL 32256
Florida Mortgage Corp
6817 Southpoint Parkway 1002, Jacksonville, FL 32216
River City Mortgage
145 Hilden Rd Suite 115, Ponte Vedra, FL 32081
Bayway Mortgage Group
8833 Perimeter Park Blvd, Jacksonville, FL 32216
Parco Finance LLC
1629 Race Track Rd Ste 103, Saint Johns, FL 32259
Watson Mortgage Corp.
6206 Atlantic Blvd., Ste. 1, Jacksonville, FL 32211
369 Home Loans
10151 Deerwood Park Blvd, Suite 250 Building 200, Jacksonville, FL 32256

FAQs

  • Introduction

    It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


    The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

  • Can mortgage brokers work across state lines?

    Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

  • How do mortgage brokers find lenders?

    Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

  • What credit score do mortgage brokers use?

    There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

    • Experian uses FICO Score 2
    • Equifax uses FICO Score 5
    • TransUnion uses FICO Score 4

  • Do mortgage brokers help with refinancing?

    Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

    You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.
  • Can you work with two mortgage brokers?

    You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

  • Do mortgage brokers get better deals?

    Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.