Duval County · Northeast Florida
Jacksonville Mortgage Broker
Jacksonville homes sell in about five weeks, and a large share of buyers are military families using VA benefits. On Mortgage gets you pre-approved properly, shops your loan with dozens of wholesale lenders and closes on the timeline a fast market demands.
Jacksonville’s Mortgage Broker Offering the Lowest Rates
We specialize in Jacksonville residential mortgages.
No single lender has the lowest rate every day. Wholesale lenders compete with each other for the same borrowers and adjust their pricing constantly, and the only way to know you have a good rate is to compare. That is what a wholesale mortgage broker does. On Mortgage submits your application to many lenders, puts their offers side by side, and explains the trade-off between a lower rate and lower upfront costs on each.
Speed matters as much as price in Jacksonville. When homes go under contract in about five weeks, a seller is choosing between offers, and the one backed by a full pre-approval and a lender with a reliable closing record usually wins. We review income, assets and credit before you shop so your pre-approval letter means something, and we steer the loan to lenders that close on time.
See today’s pricing on our Jacksonville mortgage rates page, or try your own numbers in the Duval County rate finder. It costs nothing and does not touch your credit.
Discover Jacksonville’s Housing Market
As of mid-2026, the median sale price in Jacksonville is around $305,000, and homes typically sell in about 36 days. That combination is unusual in Florida: prices well below the state’s big coastal metros, and a market that still moves quickly. It is a big reason first-time buyers and relocating families keep choosing Northeast Florida.
Jacksonville is also simply big. The city and Duval County consolidated their governments in the late 1960s, which makes Jacksonville the largest city by land area in the continental United States. Within the city limits you can buy a historic home on the St. Johns River, a newer home on a cul-de-sac in the suburbs, a condo a short walk from the ocean or an acre on the Northside. Each calls for a slightly different loan, and as your local Jacksonville mortgage broker we fit the financing to the property and the pace of the market.
Duval County rates today, conventional through VA
$672 lender credit
No points, no credit
0.125 points
0.162 points
$713 lender credit
Par rate per program for a single-family primary residence in Duval County, 20% down, 780+ credit, 30-day lock, escrows included. Rates change through the day and are not a commitment to lend. Price your own Jacksonville scenario, no credit pull.
Jacksonville’s Premier Mortgage Broker: On Mortgage
We are proud to serve Jacksonville, a city with miles of Atlantic coastline, a working river at its center and neighborhoods with real character. For a first-time buyer looking at the suburbs or an investor focused on the rental market, we tailor the mortgage to the goal.
| Part of town | What you will find | Loans we see most |
|---|---|---|
| Riverside, Avondale & Ortega | Historic homes, bungalows and riverfront estates west of downtown | Conventional and jumbo; older homes need early insurance and inspection |
| San Marco & Springfield | Walkable historic districts south and north of downtown, some renovated, some ready for it | Conventional, FHA and renovation financing |
| Southside, Mandarin & Baymeadows | Suburban subdivisions, good schools and the main job corridors | Conventional, VA and FHA; HOA communities |
| Arlington & the Northside | Affordable single-family homes, newer subdivisions and larger lots | FHA, VA and first-time buyer loans |
| Westside | Close to NAS Jacksonville, with established homes and new construction | VA loans for military families, conventional |
| The Beaches | Jacksonville Beach, Neptune Beach and Atlantic Beach, plus homes near Mayport | Conventional and jumbo near the ocean; flood insurance in many areas |
We also finance homes in the fast-growing neighboring counties, including St. Johns, Clay and Nassau. See every city we serve on our areas we serve page.
VA loans for Jacksonville’s military families
With Naval Air Station Jacksonville, Naval Station Mayport, the Blount Island Marine Corps command and Naval Submarine Base Kings Bay just over the Georgia line, Jacksonville has one of the largest military communities in the country, and a large population of veterans who stayed after they served.
That makes the VA home loan one of the most important mortgages in the city. It allows eligible buyers to purchase with no down payment and no monthly mortgage insurance, and VA rates are usually among the lowest available. Veterans with a service-connected disability rating are generally exempt from the VA funding fee.
Military buyers have needs a lender should understand: orders that set the move date, buying from out of state before arrival, keeping the home as a rental after the next PCS, and using the benefit again later. We work with lenders that handle all of it routinely.
Jacksonville: A Haven for Real Estate Investors
A strong economy and a growing population have made Jacksonville one of Florida’s most dependable investment markets. Real estate values have risen 137.67% over the past decade, an average of 9.04% a year, while entry prices remain far below South Florida. That mix of appreciation and affordability is exactly what rental investors look for.
Tenant demand comes from several directions at once: military families who rent before they buy, healthcare workers at the area’s major hospitals and medical centers, employees at the logistics, port, banking and insurance companies headquartered here, and newcomers testing the city before they commit. Single-family homes in the suburbs and small multifamily buildings near downtown both rent well.
Our brokers specialize in investment property financing. Conventional investment loans suit buyers with documented income. A Jacksonville DSCR loan underwrites the rent the home brings in, which suits investors growing a portfolio, and lets you close in an LLC. Learn more on our DSCR loan page.
Insurance and property taxes on a Jacksonville home
Northeast Florida has a quieter hurricane history than the southern and Gulf coasts, and it shows in the numbers: Duval County’s average homeowners premium is below the Florida average. The bigger water risk here is often the river. When Hurricane Irma passed in 2017, the St. Johns River rose to record levels and flooded parts of downtown, San Marco and Riverside, along with low areas near creeks and marshes, so it pays to check a home’s flood zone and elevation even when it is not on the ocean. Here is the full picture for a homesteaded home at Jacksonville’s median price.
Sources: Florida county homeowners insurance premiums (worthinsurance.com) and county total millage (movewithmomentum.com), updated October 2026. Your own premium depends on the home’s age, roof, construction and wind mitigation features, and flood coverage is a separate policy. Property tax and homeowners insurance are estimates (1.2% and 0.85% of the home’s value per year). Your actual taxes and insurance premium depend on the property, exemptions and the policy you choose, and will be confirmed on your Loan Estimate. Run your own numbers.
What’s Next for Jacksonville Real Estate?
Forecasts point to a steady Jacksonville market, with home values expected to hold their ground rather than swing sharply in either direction. After a decade of strong gains, that stability is welcome for buyers who want to purchase without worrying about a sudden drop.
The fundamentals behind it are broad. Jacksonville’s economy does not lean on any single industry: the military, healthcare, logistics and the port, finance and insurance all employ large numbers of people, and the population keeps growing as people move in from other states and from more expensive parts of Florida. New construction on the Southside and in neighboring counties continues to add supply. On Mortgage is ready to help you take advantage of the opportunities as they come, and to refinance later if rates fall.
Why Choose On Mortgage as Your Jacksonville Mortgage Broker?
A Jacksonville buyer might be a sailor with orders to Mayport, a nurse buying her first home in Arlington or an investor adding a fourth rental on the Westside. OnMortgage has a loan and a lender for each:
- VA loans with no down payment for veterans and active-duty service members
- FHA loans with 3.5% down for first-time buyers and credit rebuilders
- Conventional loans from 3% down, for primary homes, second homes and rentals
- Jumbo loans for riverfront and oceanfront homes above the conforming limit
- Zero-down purchase options beyond VA for qualified buyers
- Self-employed loans that use bank deposits instead of tax returns
- DSCR loans for investors
We know how Jacksonville works, from the speed of the market to the flood maps along the river, and we push for the best terms on every file.
Our Reviews
What Florida borrowers say after closing with On Mortgage. Five stars on Google (130 reviews) and Zillow (92 reviews).
“We cannot say enough amazing things about Caroline! As a first-time homebuyer, this was such a huge and exciting milestone for us, and we’re so grateful that we had her by our side throughout the entire process. Caroline was incredibly knowledgeable, patient, responsive, and supportive from beginning to end.”
“I had an amazing experience working with Ms. Caroline Da Silva throughout my entire home-buying process. From day one, she was professional, knowledgeable, responsive, and always there whenever I had questions. She kept me updated every step of the way and made everything easy to understand.”
“Caroline was great. Always responsive and available whenever I needed assistance or had questions. 10/10 would recommend to any veteran or anyone for that matter.”
Jacksonville mortgage broker: your questions
How fast do I need to move when buying in Jacksonville?
Homes in Jacksonville typically sell in about 36 days, and well-priced homes can go much faster. Get a full pre-approval before you start touring, so you can write an offer the day you find the right home. A pre-approval reviewed by a lender carries more weight with sellers than a quick prequalification.
Can I use a VA loan in Jacksonville with no money down?
Yes. Eligible veterans, active-duty service members and some surviving spouses can buy with no down payment and no monthly mortgage insurance. There is a one-time VA funding fee, which can be financed into the loan, and veterans with a service-connected disability are generally exempt. You will still have closing costs, which a seller can help pay.
Is Jacksonville a good place to buy rental property?
Jacksonville offers prices well below South Florida, a growing population and steady tenant demand from the military, healthcare and logistics industries. Values rose 137.67% over the past decade. As with any market, buy on realistic rent and expenses, including insurance and taxes, and plan for vacancy. We finance both conventional investment loans and DSCR loans.
Do I need flood insurance in Jacksonville?
Lenders require it on homes in FEMA high-risk flood zones, which include many areas near the St. Johns River, its creeks and the beaches. Outside those zones it is optional, but river flooding during past storms has reached homes outside the mapped areas. We price flood coverage on every quote so you can decide with the numbers in front of you.
Do you lend in St. Johns, Clay and Nassau counties too?
Yes. We lend everywhere in Florida, including Ponte Vedra and St. Augustine in St. Johns County, Orange Park and Fleming Island in Clay County, and Fernandina Beach and Yulee in Nassau County. Enter any Florida ZIP in our rate finder and it applies that county’s taxes and insurance automatically.
Why use a Jacksonville mortgage broker rather than a bank?
A bank can only offer its own loans and its own price. A broker compares many lenders and picks the one that fits your situation, whether that is a VA loan with a fast closing, an FHA loan with flexible credit, or an investor loan qualified on rent. Wholesale pricing is often lower than retail, and you keep a single point of contact.
More for Jacksonville borrowers
Nearby in Northeast Florida
Contact OnMortgage: Jacksonville’s Leading Mortgage Broker
Whether you are PCSing to Mayport, buying your first home in Mandarin or adding a rental on the Westside, our brokers will compare lenders and get you to the closing table on time. Get a free quote today.