Nine lenders compete.You see the best three.One application.
Nine wholesale lenders compete on every file. We surface the best three offers side by side. One decision-maker who answers the phone. That's the deal.
Twenty-five years of files closed in Northeast Florida.
Jason has originated mortgages in Northeast Florida since 2000.
Multiple lenders compete on every file. Rocket, UWM, and Nations Direct lead the named desks.
No call center. Jason picks up.
Everything a Northeast Florida buyer needs.
From first home to investment property, we run the program that fits the file, not the one that pays the most.
FHA
Lower down payments and credit-flexible underwriting for first-time and returning buyers.
- ▸3.5% down with 580+ credit
- ▸Low MIP relative to private MI
- ▸Most file types eligible
VA
Zero-down financing for active-duty service members, veterans, and qualifying spouses.
- ▸0% down, no PMI
- ▸Streamline refi (IRRRL) supported
- ▸Funding-fee waivers on disability
Conventional
Fannie Mae and Freddie Mac programs for borrowers who want lowest long-term cost.
- ▸3% down possible
- ▸PMI drops at 80% LTV
- ▸Best rates for 740+ credit
Jumbo
Loan amounts above the conforming limit. Files welcome across Clay, Nassau, Duval, St. Johns, and Flagler counties.
- ▸No agency cap
- ▸Investor portfolios available
- ▸Common for $1M+ purchases
USDA
Zero-down rural development loans for income-eligible buyers in qualifying NE Florida zip codes.
- ▸0% down, low MI
- ▸Income limits apply
- ▸Geography-restricted
Bank Statement
Self-employed borrowers and 1099 earners qualify on deposits, not W-2s.
- ▸12 to 24 months bank stmts
- ▸No tax returns required
- ▸Doctors, contractors, agents
Refinance
Rate-and-term, cash-out, FHA streamline, VA IRRRL. We model break-even before you commit.
- ▸Cash-out for renovations
- ▸Drop PMI on conventional
- ▸Streamline programs simplified
Pre-approval to keys in four steps.
Apply
Ten-minute online app or fifteen-minute call with Jason. Tell us the situation; we tell you what's real.
Quote
We run your file with multiple lenders and surface the best three terms. You see all three, side by side.
Underwrite
Documents collected, appraisal ordered, conditions cleared. Most files close in eighteen days.
Close
Cash to close, signing, funding. Jason and the title agent walk you through it.
“Jason called me back the same hour, ran three lenders, and told me which one was actually best for my numbers. Closed in nineteen days.”
Call Jason. Get a real number today.
No call tree, no junior loan officer. Direct line to the broker. Pre-approval in one conversation.