Charles Oliver

Let First Down Mortgage Help You!

Charles Oliver

NMLS #175312


Charlie is licensed in Florida and Oklahoma

Background & Bio

I can help with purchases and refinances with a variety of lending options. First-time home buyers, FHA, VA, conventional, Investor/Airbnb, fix and flip, debt consolidation, and cash-out loans.

I am married to my loving wife Lisa. We have two kids, Harris and Leighton. I enjoy spending time with my family, constantly filled with sports for Harris and horseback riding for Leighton. I am born and raised in Jacksonville, even graduated from Jacksonville University. I love the beach and going universal studios/island of adventure with my family.

Started in the mortgage industry at PHH mortgage in 2009. Other places I have worked:

Bank of America – loan officer

Carrington – loan officer

Ditech – loan officer

Guaranteed Rate – VP of sales for consumer direct

Charles Oliver - First Down Mortgage

Why Charlie joined First Down Mortgage

I wanted to make the move to separate from the corporate side of mortgage. I wanted to have more control over my business and future. I love helping people buy a home or improve their financial status with a refinance. I enjoy talking with people about the housing market and mortgages.

About FDM

First Down Mortgage, LLC – NMLS 1920842 is a registered and licensed mortgage brokerage firm located in Jacksonville, FL and operating in Florida and Georgia. We offer services such as brokering residential purchases and refinances, as well as providing related mortgage loan guidance. We are a client centric brokerage firm focused on the satisfaction of our clients and process efficiency. Our borrower’s best interests always come first, as everything we do is guided by our values and professional ethics. We have the ability and flexibility to shop for loans at several lending institutions to secure the very best interest rates and terms. We also take the time to explain the loan’s legal aspects to you, including its payment terms and clauses. From helping you gather necessary documents to securing appraisals and title work, we can make the entire process much easier for you.

Why Choose Us?

We are here solely to help take the worry and confusion out of the financing process. You can count on us.

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No Obligation Consultation

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Fast & Efficient application process

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All information kept private and secure

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We shop lenders so you get the best deal

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Personalized service from a dedicated professional

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Get a faster, easier mortgage

First Down Mortgage


8 am - 5 pm


By Appointment






3227 Atlantic Blvd
Jacksonville, FL 32207