The Mortgage Super Team!
We run on coffee and a desire to deliver an exceptional experience. When you contact First Down Mortgage, you will speak with us – a local Jacksonville, FL team not a call center. We will be with you every step of the way, from the initial call to closing and afterward.
Ready to Save A LOT on Your Mortgage?
Whether you are a first-time homebuyer, repeat buyer, looking to refinance, or looking to purchase a vacation home learn why we are the FIRST call for Florida residents.
Why Our Clients Love Us
Besides getting them the right product at the absolute best price, our clients rave about their experience with us because…
We pride ourselves on getting clients approved very early on with clear expectations
Work with US
No 1-800 Numbers. No 9 am – 5 pm banking hours.
The Best Rates
We have the best pricing and turn times. Really!
Long after the deal closes, we are there to support our clients.
We are avid students of the market and continually put our articles and videos to help educate our clients and prospective homebuyers.
Click below to watch our recent video.
A phone conversation with your dedicated Loan Officer is simple and fast. After discussing your purchasing goals and financial situation, we can provide guidance on the loan options that are best suited for you. We can then issue a pre-approval and loan estimate of costs for you to confidently utilize as you are shopping for your home.
Get a Free Pre-Approval Letter
Shop with confidence and be ready to make an immediate offer on the home of your dreams
A mortgage refinance can be beneficial in a variety of ways that may not be obvious to an average homeowner.
Answers to Your Questions
Why First Down Mortgage?
o If your application involves challenges, a good broker can help since they have access to many lenders, not just one. Lending guidelines can vary from bank to bank.
o Banks often have a centralized call center that processes mortgage applications, which can lead to barriers and lags in communication. With First Down Mortgage, you have a dedicated mortgage professional that is your point of contact from start to finish.
o By having a variety of lenders and their suite of loan products to choose from, a borrower can capitalize on locating the loan with the best rate and terms for their situation.
Should I talk to a Loan Officer before looking at homes?
Yes! There are many reasons why you should get pre-approved before looking at homes. A pre-approval can help guide you in determining how much you can afford, what costs are associated with buying a home, and the process/timeline for purchasing..
Do I have to put 20% down to purchase a home?
There are many loan programs available today that require less than 5% down. Having a conversation with our Loan Officer will allow us to narrow down which options would be best for you.
What is Private Mortage Insurance (PMI)?
Private Mortgage Insurance policies are designed to protect a lender from a borrower’s default on a mortgage. Most lenders require PMI when a borrower makes less than a 20% down payment. Premiums can vary in price and are typically for the life of the loan. Refinancing is often a common way to eliminate PMI.
Thank you for visiting First Down Mortgage (virtually). Contact us to find out why we are the FIRST call for mortgages and refinancing in Jacksonville and the surrounding areas.