LEARNING CENTER
Learn before you borrow
- How much house can I afford in Jacksonville?How lenders look at income, debts and down payment, and how to estimate a comfortable price range in Northeast Florida.
- Florida closing costs: who pays whatDoc stamps, intangible tax, title insurance, recording fees and prepaids, and what buyers and sellers usually cover.
- FHA vs. conventional for first-time buyersHow the two most common first-time buyer loans compare on down payment, credit and mortgage insurance.
- What is a DSCR loan?How investors can qualify mainly on a rental's income, and what lenders look for.
- How commercial lenders look at DSCRWhy coverage ratios matter on retail, office, multifamily and mixed-use loans.
- When does refinancing make sense?Break-even math, longer terms that cost more, and goals beyond a lower payment.
- Florida down payment assistance: how it worksState and local programs, how they're structured, and who may be eligible.
- Buying a duplex and living in one unitHouse hacking in Florida: down payment options and how expected rent can count toward the income used for the loan.
- Mortgage broker vs. bankWhat a broker does, how compensation is disclosed, and when each option fits.
- Documents you need for a mortgageA checklist for W-2, self-employed, retired and investor borrowers.
Ready when you are
Talk to a licensed loan officer. No obligation, and no credit check for the first conversation.