Riverside · San Marco · Ponte Vedra

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Jacksonville offers some of the strongest affordability and rental yields of any major Florida metro, drawing first-time buyers, relocating families, and buy-and-hold investors. From Riverside and San Marco to Nocatee and the Beaches, Nick shops 100+ wholesale lenders to match the rate and program to your goals — including FHA, VA, and conventional first-time-buyer programs.

Serving: Riverside · Avondale · San Marco · Nocatee · Mandarin · Atlantic Beach · Ortega · Springfield

Jacksonville, Florida

Common Questions

Jacksonville Mortgage FAQ

What is the conforming loan limit in Duval County for 2026? +
The 2026 conforming loan limit for Duval County is $832,750 for a single-family home. Loans above this threshold require a jumbo mortgage with different qualification requirements.
What is the FHA loan limit in Duval County? +
The 2026 FHA loan limit for a single-family home in Duval County is $580,750. FHA loans require as little as 3.5% down with a 580+ credit score.
Can I get a DSCR loan for a Jacksonville vacation rental? +
Yes. Jacksonville's short-term rental market — particularly the Beaches, Riverside, and San Marco — is strong enough that DSCR loans frequently work well. Lenders use either actual leases or a market rent analysis to determine qualifying income.
How long does it take to close on a home in Jacksonville? +
A typical purchase closes in 21–30 days with conventional financing. Jumbo loans can take 30–45 days. DSCR investment loans can close in as few as 14–21 days with the right lender.
Do you work with buyers on beachfront and riverfront properties? +
Yes — and knowing the nuances matters. Condos on barrier islands often require non-warrantable condo financing. Flood zone designations affect insurance requirements and costs, which factor into DTI calculations. Nick has experience with coastal Jacksonville property requirements.

Programs Available in Jacksonville

Find Your Loan Type

DSCR Loans
Qualify on rental income — no W-2s or tax returns required. Ideal for Jacksonville investment properties and vacation rentals.
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Jumbo Loans
Financing above $832,750 for Ponte Vedra Beach, San Marco, Avondale, and Jacksonville's luxury waterfront market.
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FHA Loans
3.5% down with a 580+ credit score. FHA loan limit in Duval County is $580,750.
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VA Loans
$0 down, no PMI, and some of the most competitive rates available — for veterans and active-duty military near NAS Jax and Mayport.
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No obligation to proceed. Real Florida mortgage options from a loan originator who works for you, not a bank. Any credit inquiry will be disclosed before it occurs.

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