FHA · Jacksonville

FHA loans for Jacksonville.3.5% down.Local broker.

Jason has originated FHA loans in Duval County since 2000. The program fits Jacksonville first-time buyers and credit-flexible files particularly well, especially in Northside, Westside, Arlington, and the Beaches submarkets.

Get Pre-Approved (904) 389-4635

Why FHA works in Jacksonville

Jacksonville's median home price keeps the city accessible to FHA-eligible buyers across most submarkets. The 3.5%-down threshold (with 580+ credit) means a $300K Jacksonville purchase is achievable with around $10,500 down plus closing costs. Compare that to 20% conventional which would need $60K cash on the same purchase.

FHA also accommodates the buyer profiles that show up most in the Jacksonville first-time-buyer pipeline: military families using non-VA programs, dual-income households still building credit, and self-employed borrowers who haven't yet built two years of strong tax returns.

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Why work with us in Jacksonville

Local broker. National rates. Same person every call.

Years in Jacksonville

Jason has originated mortgages here since 2000. Our office is in Sutton Park, fifteen minutes from downtown.

Wholesale lenders

Nine wholesale lenders compete on every Jacksonville file. Rocket, UWM, and Nations Direct lead the named desks.

Local

Office, not call center

Sutton Park, Jacksonville, FL 32224. Same person picks up every call.

How an FHA loan looks for a Jacksonville buyer

Most Jacksonville FHA files close in 18 to 30 days from offer to keys. Some friction points specific to the local market:

FHA appraisal is stricter than conventional. Older Northside or Westside homes may need minor repairs to pass. We line up FHA-aware inspectors who flag issues before they become deal-killers.
Duval County loan limit for one-unit single-family homes is updated annually by HUD. We check current limits when running your file.
Insurance in Jacksonville costs more than national averages because of hurricane exposure. FHA lenders require the policy to be fully bound before close.

Jacksonville FHA questions

What Duval County FHA buyers ask.

What's the FHA loan limit in Duval County right now?

HUD sets it annually. Duval is in line with the standard FHA limit for most NE Florida counties. We confirm the exact current figure when we run your file.

Are Jacksonville HOA condos FHA-eligible?

Some are, some aren't. The condo project itself has to be on FHA's approved list, which depends on the project's owner-occupancy ratio, HOA delinquency rate, and reserve fund. We can check any specific complex against the FHA-approved list before you tour.

Can I use FHA on a Jacksonville duplex if I live in one unit?

Yes. FHA allows 2-4 unit purchases as long as you occupy one of the units as your primary residence. Rental income from the other unit(s) may help you qualify.

What if my Jacksonville property needs repairs to pass FHA appraisal?

The 203(k) renovation FHA loan is one path: it bundles the purchase + renovation budget into a single loan. Otherwise, we negotiate seller-paid repairs into the contract. Rare cases use a non-FHA program and refinance into FHA later.

Jacksonville FHA, ready to apply

Get a real Jacksonville FHA quote today.

One call. We tell you whether FHA fits your file and what the actual numbers look like.

Get Pre-Approved (904) 389-4635