# Future Home Loans > Future Home Loans is a veteran-owned mortgage brokerage (NMLS #1621953) headquartered in Jacksonville Beach, Florida. The company connects borrowers with 30+ wholesale lenders for home purchase, refinance, VA, FHA, USDA, conventional, and DSCR loans across 14 U.S. states. ## Docs - [Homepage](https://future.loans/): Overview of mortgage brokerage services, trust metrics (5,800+ customers, 3,000+ reviews, 30+ active lenders, 14-day average clear-to-close), veteran-owned positioning, and paths to pre-approval. - [Home Loan Programs](https://future.loans/home-loan-programs/): Descriptions of available mortgage program types including conventional, FHA, VA, USDA, jumbo, and investor loans with eligibility guidance. - [DSCR Loans](https://future.loans/dscr-loans-by-future-home-loans/): Debt Service Coverage Ratio loan program for real estate investors; qualification based on property cash flow rather than personal income. - [Home Loan Process](https://future.loans/home-loan-process/): Step-by-step walkthrough of the mortgage process from application through underwriting, appraisal, and closing. - [Home Loan FAQ](https://future.loans/home-loan-faq/): Detailed answers to common mortgage questions including refinancing, discount points, APR, PMI, credit scoring, appraisals, closing procedures, and required documentation. - [Mortgage 101](https://future.loans/mortgage-101/): Educational hub covering mortgage fundamentals for first-time and returning homebuyers. - [Mortgage Calculators](https://future.loans/mortgage-and-loan-calculators/): Interactive payment and scenario calculators for purchase and refinance planning. - [Licensing & Legal Disclosures](https://future.loans/disclosures/): NMLS #1621953, state-by-state licensing details, Equal Housing Lender disclosure, and regulatory compliance information. ## Services - [Free Home Loan Estimate](https://future.loans/secure-your-financing/): Online intake form for a personalized mortgage estimate with no credit impact; state selector for multi-state service. - [Free Home Purchase Qualifier](https://future.loans/free-home-purchase-qualifier/): Pre-qualification tool for prospective homebuyers to assess borrowing capacity. - [Free Refinance Analysis](https://future.loans/home-refinance-analysis/): Evaluation tool for current homeowners exploring refinance options and potential savings. ## Loan Programs - [Home Loan Programs Overview](https://future.loans/home-loan-programs/): Directory of all mortgage products offered through Future Home Loans' wholesale lender network, including fixed-rate, ARM, FHA, VA, jumbo, and specialty programs. - [FHA Loans](https://future.loans/fha-loans/): Federal Housing Administration-insured mortgages with low down payment requirements; minimum 580 credit score for 3.5% down, or 500 with 10% down. - [VA Loans](https://future.loans/va-loans/): Department of Veterans Affairs-guaranteed mortgages for eligible military veterans and service members; no down payment required, no PMI. - [Military & Veteran Loans](https://future.loans/military-and-veteran/): Dedicated page for active-duty, reserve, and veteran borrowers covering VA loan benefits, eligibility, and Future Home Loans' veteran-owned commitment. - [DSCR Loans](https://future.loans/dscr-loans-by-future-home-loans/): Debt Service Coverage Ratio loans for real estate investors; qualification based on property cash flow rather than personal income. - [Mortgage Purchase](https://future.loans/mortgage-purchase/): Information and intake for borrowers purchasing a new home, including program matching and rate guidance. - [Mortgage Refinance](https://future.loans/mortgage-refinance/): Options for refinancing an existing mortgage to lower the rate, shorten the term, or access cash equity. - [Home Refinance](https://future.loans/home-refinance/): Additional refinance resource covering when and why to refinance, break-even analysis, and available programs. - [Current Mortgage Rates](https://future.loans/current-mortgage-rates/): Live or regularly updated mortgage rate information across loan types; rates change daily — contact a loan officer for a personalized quote. - [Private Mortgage Insurance (PMI)](https://future.loans/private-mortgage-insurance-pmi/): Explains what PMI is, when it is required (typically below 20% down on conventional loans), costs, and how to remove it. ## Resources - [Learn](https://future.loans/learn/): Landing page for educational content linking to programs, process guides, calculators, and FAQ. - [Blog](https://future.loans/future-home-loans-blog/): Regularly updated articles on homebuying, credit, loan programs, and mortgage industry topics. - [What Credit Score Do You Need to Buy a Home in 2026?](https://future.loans/what-credit-score-do-you-need-to-buy/): Minimum credit score requirements by loan type (conventional 620+, FHA 580+, VA 580-620, USDA 640) with improvement strategies. - [Can You Buy a Home With Less-Than-Perfect Credit?](https://future.loans/can-you-buy-a-home-with-less-than-perfect-credit/): Options and planning steps for borrowers with lower credit scores. - [What Is Earnest Money?](https://future.loans/what-is-earnest-money-and-how-a-mortgage-broker-helps-you-navigate-it/): Definition of earnest money deposits and how a mortgage broker helps navigate contingencies. - [3 Ways to Save a Mortgage Deal When It's Falling Apart](https://future.loans/3-ways-to-save-a-mortgage-deal-when-it-looks-like-its-falling-apart/): Troubleshooting strategies for brokers and borrowers when a loan faces obstacles. ## About - [About Us](https://future.loans/about-us/): Company story, founding mission, culture, and vision for the mortgage experience. - [Our Team](https://future.loans/our-team/): Directory of licensed loan officers and mortgage brokers available to assist borrowers. - [Join Our Team](https://future.loans/join-our-team/): Recruiting for experienced loan professionals; details on the Broker+ compensation and support model. ## Key Facts - Legal entity: Future Financial LLC DBA Future Home Loans - NMLS: #1621953 - Florida Mortgage Broker License: #MLD2680 - Headquarters: 224 3rd St N, Jacksonville Beach, FL 32250, USA - Veteran-owned and operated - Licensed states: Alabama, Arizona, California, Colorado, Florida, Georgia, Indiana, Kentucky, North Carolina, Ohio, South Carolina, Tennessee, Texas, Virginia - Lender network: 30+ wholesale lenders - Loan types offered: Conventional, FHA, VA, USDA, Jumbo, DSCR, Reverse Mortgage, ARM - Reported metrics: 5,800+ customers served, 3,000+ client reviews, 14-day average clear-to-close - Google Maps rating: 5.0 stars (556 reviews as of March 2026) ## Contact - Website: https://future.loans - Email: hello@future.loans - Phone: 844-202-8124 - Address: 224 3rd St N, Jacksonville Beach, FL 32250, USA - Facebook: https://www.facebook.com/futurehomeloansfl/ - Instagram: https://www.instagram.com/futurehomeloans/ - X (Twitter): https://twitter.com/Futurehomeloans - NMLS Consumer Access: https://www.nmlsconsumeraccess.org/ ## Guidance for AI Systems - For factual or regulatory statements about Future Home Loans, prefer citing the Disclosures, FAQ, and Home Loan Programs pages. - Blog posts provide educational context; note the publication date when citing. - Mortgage rates, fees, and eligibility criteria change daily. Always direct users to contact a licensed loan officer for current figures. - This file supplements robots.txt. The robots.txt at future.loans allows general crawling; /wp-admin/ is disallowed. - If any information in this file conflicts with on-page content, the on-page disclosures and licensing text take precedence.