Get Pre-Approved for a Mortgage Today!
At First Down Mortgage, we go the extra mile for you and pride ourselves on direct, personal, local knowledge and service. 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.
Ready to save A LOT on your mortgage? Get pre-approved now:
You can get pre-approved via our online portal – or skip the wait and call a local member of our team right now at 904-333-0390.
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.
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.