Mortgages for Homeowners and Investors

Get a quick, no-obligation, quote for your purchase or refinance.

We are YOUR Loan Officers

As your mortgage loan officer, we represent YOU, the customer, not the lender. Since we are not employed by a lending institution, We are not limited to just one lender’s products. At a bank or other direct lender, they only sell you their products and they’re not going to tell you when there’s a better deal elsewhere.

First Down Mortgage Team

As brokers, we shop for the best rate and terms for your loan across multiple banks and financial institutions

– seeking out the best loan to suit your specific situation, whether it is with a wholesale lender or a private lender. We take a fiduciary responsibility to ensure that any loan options we recommend are in your best interest based on your needs. Being in the real estate and mortgage industry for years, we have extensive experience in a variety of scenarios, we can help you devise a strategy that is best for your real estate portfolio. Our promise is to help you make the best choice for yourself and your family in every situation.


There is a wide assortment of options and features available to homebuyers today.

Shopping around takes a lot of time and effort. The mortgage process in today’s very competitive marketplace intimidates many homebuyers. Choosing the wrong mortgage can cost you thousands, even tens or hundreds of thousands of extra dollars over the life of the loan. It pays to work with reputable mortgage professionals who will represent you and ensure the mortgage you get is the one best suited to your needs.

Choose Loan Officer

Request a Free Consultation

Get a quick, no-obligation, no credit check, quote for your purchase or refinance.

Hear What Our Satisfied

Clients Say

Use them!! Whitney and Chad helped us through our first home buying experience and they made it effortless on our end. They were very responsive from beginning to end and always happy to help. They even reached back out months after closing to help lower our monthly mortgage which is above and beyond. They are definitely a team you can trust and are willing to go that extra mile!
Ashley B.
Chad and Whitney are the best mortgage team in the Jacksonville area - hands down! I've worked with them on several transactions over the past couple years and the experience is always above and beyond my expectations. Awesome rates, quick turn-around times, and incredible customer service. You don't need to be looking anywhere else. Period.
Jake B.
5 stars all the way! I totally recommend Chad and his team for anything to do with lending. They guided us the whole way to make are closing the most efficient possible. They answered all of our questions very well and got us the best rate in all of town! Thank you to Chad and his team and look forward to using you in the future!
Danielle S.
Chad, Whitney, and the entire team at First Down Mortgage offered competitive rates, first-class service, and removed so much of the stress that comes with buying a home. They go far beyond what is expected from a mortgage company and I'd gladly do business with them again!
Matthew A.

Mortgage Brokers are trained professionals who can help you save time and money.

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