Jacksonville & Northeast Florida
Mortgage Broker in Jacksonville, FL
Veteran-owned Future Home Loans helps you compare mortgage options from multiple lenders with a local loan officer. Visit our Jacksonville Beach office at 224 3rd Street N, or connect with our team to plan your purchase, refinance or next investment.
Veteran-Owned
★★★★★
More than 1,400 5-Star Google Reviews
NMLS #1621953
Why work with a Jacksonville mortgage broker?
Compare mortgage options with a local, veteran-owned team based in Jacksonville Beach.
Compare multiple lenders
We compare loan programs, costs and requirements from multiple wholesale lenders.
Your local loan officer
Get help organizing your application and guidance through underwriting and closing.
Veteran-owned
Proud to serve Northeast Florida buyers and homeowners, including military families.
Areas we serve
Based in Jacksonville Beach. Serving Duval, St. Johns, Clay and Nassau counties.
Jacksonville
Jacksonville Beach
Neptune Beach
Atlantic Beach
Mandarin
Fernandina Beach
Ponte Vedra
Nocatee
St. Augustine
Orange Park
Fleming Island
Our Jacksonville Beach office
224 3rd Street N
Local guidance for your next move
Coastal homes & condos
Review property requirements, insurance and costs beyond the down payment.
Military moves
Talk through VA loan options and your purchase timeline near NAS Jacksonville or Mayport.
Investment properties
Explore rental-property financing, including DSCR options.
Ready to plan your next move?
Compare financing options with our Jacksonville team.
Financing guidance for your next move
Choose a program to see how it may fit your plans. Our local team will help you compare lenders and find your next step.
VA
Purchase or refinance using your eligible VA home loan benefit.
FHA
Government-insured financing for eligible buyers, with flexible credit guidelines.
Conventional
Financing for primary homes, second homes and eligible investment properties.
USDA
Explore financing for eligible properties, locations and households.
Jumbo
Financing for loan amounts above the applicable conforming limit.
DSCR
Investment-property financing using rental income in the qualification process.
HELOC
Explore a line of credit secured by your home.
Medical Professionals
Mortgage options tailored to eligible medical professionals.
Non-QM
Alternative qualification options for income outside traditional mortgage guidelines.
Reverse
Explore reverse mortgage eligibility, options and ongoing homeowner obligations.
Foreign Nationals
Financing options for eligible international buyers purchasing U.S. property.
Not sure which program fits? We’ll help you compare your options.
VA loans for Northeast Florida military families
As a veteran-owned mortgage broker, Future Home Loans helps military families connected to NAS Jacksonville, Naval Station Mayport and Kings Bay explore their VA home loan benefit. Whether you are preparing for a PCS move, buying after a relocation or considering a refinance, a local loan officer can help you understand eligibility, documentation and the steps ahead.
Eligible VA borrowers may be able to purchase without a down payment, subject to entitlement, appraisal and lender requirements. No down payment does not mean no closing costs, and a VA funding fee may apply unless you qualify for an exemption. We can help you review your Certificate of Eligibility, discuss the property and coordinate financing with your purchase timeline. Explore VA loan options.
First-time buyer and down payment assistance guidance
Our Jacksonville team can help you explore Florida Hometown Heroes and Florida Housing Homebuyer Loan Programs, including potential down payment and closing cost assistance. Your loan officer will confirm eligibility, current funding availability and the terms that apply to your situation.
Requirements can depend on your income, occupation, property location and the first mortgage you choose. Assistance may be structured as a second mortgage, with repayment or forgiveness rules that vary by program. We will help you understand those obligations before you decide. If you are starting with a savings goal or unsure which program to consider, begin with a conversation about your plans.
Meet some of our Jacksonville & Northeast Florida team
Explore a loan officer’s profile to learn about their experience and connect, or start with Secure Your Financing and we will help you take the next step.
What clients say
More than 1,400 5-Star Google Reviews. Hear from clients who worked with our team.
Jacksonville mortgage questions
What’s the difference between a mortgage broker and a lender?
A mortgage broker helps you compare loans from multiple lenders and coordinates your application with the lender you choose. A bank generally offers its own mortgage products; our Jacksonville team helps you understand the options, costs and next steps. See the home loan process.
Do you offer VA loans near NAS Jacksonville and Mayport?
Yes. Our veteran-owned team helps eligible service members, veterans and surviving spouses across Northeast Florida with VA purchases and refinances. Explore VA loans.
How much do I need for a down payment in Jacksonville?
Eligible VA and USDA loans may require no down payment, FHA may allow as little as 3.5%, and some conventional programs allow as little as 3%. Eligibility, property requirements, closing costs and lender guidelines still apply; your loan officer can also check available Florida assistance options. Compare loan programs.
How long does it take to close?
Your timeline depends on the loan, appraisal, title work, documentation and contract dates. Your loan officer will help establish a realistic schedule and keep you informed as the file moves toward closing. Read our clear-to-close timeline guide.
Can I finance a Jacksonville rental property?
Yes. Depending on the property and your qualifications, conventional investment loans or DSCR financing may be options; DSCR programs use property rental income in the qualification process. Learn about DSCR loans.
Visit or call our Jacksonville Beach office
Future Home Loans
224 3rd Street N
Jacksonville Beach, FL 32250
(904) 494-6000
Broker availability: Any time, any day. Contact your broker to arrange an office visit.