Riverside · San Marco · Ponte Vedra

Jacksonville
Mortgages

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Jacksonville draws first-time buyers, relocating families, and buy-and-hold investors. From Riverside and San Marco to Nocatee and the Beaches, we compare options across C2 Financial's 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 offer a low down payment and have flexible credit guidelines; minimum scores vary by lender.
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? +
Timelines depend on the loan program, appraisal, title and how quickly documents come in. We will map out a realistic timeline for your contract before you commit.
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. We have 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
Low down payment and flexible credit; minimum scores vary by lender. FHA loan limit in Duval County is $580,750.
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VA Loans
No monthly PMI - for veterans and active-duty military near NAS Jax and Mayport.
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Part of Duval County · Northeast Florida · Lending across Florida