Mortgage broker in Jacksonville, FL
Buying, refinancing or tapping your equity in Jacksonville? Gillors is a licensed Florida mortgage broker comparing options from multiple lenders, with a real person guiding you to closing.
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Home loans for Jacksonville buyers and homeowners
Jacksonville is Florida’s largest city, with about 978,000 people, and by area it’s the largest city in the continental United States. The city and Duval County share a consolidated government, so the city covers neighborhoods from Riverside and San Marco to the Southside and Arlington.
It’s one of the most affordable markets we serve, with a median home value of about $294,000. With Naval Air Station Jacksonville and Naval Station Mayport nearby, VA loans are common: lenders made about 3,700 VA loans in Duval County in 2025.
Jacksonville at a glance
Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates.
Home purchase loans in Duval County, 2021–2025
Lenders made 12,958 home purchase loans in Duval County in 2025. That is 34% fewer than in 2021 and 2% fewer than in 2024. Higher rates since 2022 have kept many owners in place, so buyers today often face less competition than in 2021.
Source: CFPB, Home Mortgage Disclosure Act (HMDA) data. Originated home purchase loans, Duval County, FL.
Average home purchase loan in Duval County
The average purchase loan in Duval County fell from about $346,000 in 2021 to $339,000 in 2025, down roughly 2%.
Source: CFPB HMDA data. Average loan amount, originated home purchase loans, Duval County, FL.
How Duval County borrowers financed their homes in 2025
Share of all home loans made in Duval County in 2025 (purchase and refinance), by loan type. Source: CFPB HMDA data.
Refinance loans in Duval County, 2021–2025
Refinancing dropped sharply after rates rose in 2022, then started to recover: lenders made 5,748 refinance loans in Duval County in 2025, up 15% from 2024. If your rate is higher than today’s, it may be worth checking whether a refinance makes sense.
Source: CFPB HMDA data. Originated refinance and cash-out refinance loans, Duval County, FL.
What to know before buying in Jacksonville
Conforming vs. jumbo
In 2026 the conforming loan limit for a single-family home in Duval County is $832,750. Loans above that are jumbo loans, which usually need a larger down payment and more savings in reserve.
Florida homestead exemption
If it will be your main home, apply with the Duval County Property Appraiser by March 1. The exemption can take up to $50,000 off the assessed value, and Save Our Homes limits yearly increases in assessed value to 3% or inflation, whichever is lower.
Closing costs in Florida
Buyers usually pay documentary stamp tax on the mortgage ($0.35 per $100 borrowed) and intangible tax (0.2% of the loan). Deed stamps are $0.70 per $100 of the price and are typically paid by the seller.
VA loans
With Naval Air Station Jacksonville and Naval Station Mayport nearby, many local buyers are service members or veterans. Eligible buyers can use a VA loan with no down payment and no monthly mortgage insurance.
Insurance and flood zones
Lenders require homeowners insurance with wind coverage, plus flood insurance if the home is in a high-risk flood zone. Get quotes early, because premiums can change what you can afford.
Jacksonville housing news
- Shrinking supply reshapes Jacksonville housing as homes sell closer to asking priceThe Business Journals · Nov 4, 2026
- Jacksonville Beach apartments sell for $19 millionJacksonville Daily Record · Nov 3, 2026
- Three Jacksonville City Council members oppose tourism grant for Donna Marathonfirstcoastnews.com · Nov 3, 2026
- Jacksonville's Hard Rock Hotel Plan Wows Board, But Riverwalk Ties Fall ShortHoodline · Nov 1, 2026
- Jacksonville Housing Authority board fires CEOAction News Jax · Oct 29, 2026
Latest local headlines from Google News, updated automatically. Gillors is not affiliated with these publishers.
Questions about mortgages in Jacksonville
How much do I need for a down payment in Jacksonville?
It depends on the loan. Conventional loans can start at 3% down for qualified buyers, FHA loans at 3.5% and VA loans at 0% for eligible veterans. On a home near the Jacksonville median value of about $294,000, even a small down payment can get you started, and assistance programs may help if you qualify.
Can I buy with a low down payment in Jacksonville?
Yes. Conventional loans can start at 3% down for qualified buyers, FHA at 3.5% and VA at 0% for eligible veterans. Florida Housing’s assistance programs can also help eligible buyers with the down payment.
Do I need a jumbo loan?
Only if your loan amount is above $832,750, the 2026 conforming limit in Duval County. We compare jumbo and conforming options for you, including putting more down to stay under the limit.
How long does it take to close on a home?
Most purchases close about 30 to 45 days after your offer is accepted. Getting pre-approved first helps you move quickly when you find the right home.
Ready to buy or refinance in Jacksonville?
Start with a few quick questions. There’s no credit check to start, and a real person follows up.
What homeowners say
Real reviews from homeowners who worked with Netta Li Fidderer, Senior Loan Officer at Gillors.
Highly recommend Netta Li! It was my first home and the first loan. Netta Li patiently and professionally guided me through the whole process, explaining every term, every detail. Netta Li is very good at communicating! She has always responded very quickly to my texts, emails and calls. …
This is our second deal with Netta Li and like last time she was great, patient and responsive every day, helped us go through the obstacles all the way to a successful deal. Thank you!
I highly recommend Netta Li Fidderer! She is extremely professional, patient, accommodating, and was able to explain the complicated details. I'm happy with the loan that I was able to get with good rates, thanks to her.
