VA or FHA? A Jacksonville broker compares down payment, funding fee vs MIP, loan limits, and when FHA actually makes sense for military families in 2026.

Starting a new job at Mayo Clinic in Jacksonville? Fannie Mae guidelines may let you qualify on your offer letter and close before your first paycheck. Here are the rules.

Condotels need different financing than regular condos. How condotel loans work in Jacksonville Beach, St. Augustine and Amelia Island, and what lenders look for.

How 5/6, 7/6 and 10/6 ARMs work, FHA and VA ARMs, a real worst-case example, and who an ARM fits, from a Jacksonville mortgage broker.

When the bank turns you down, a property-based private lender may still fund your investment or commercial deal. How it works, typical terms, and how to use it as a bridge.

Most people can’t take every dollar of a HUD reverse mortgage at closing. The first-year 60% limit, fixed vs. adjustable, and when a private reverse fits.

VA home loans in Yulee, Fernandina Beach, Amelia Island, Callahan and Hilliard, a short drive from Naval Submarine Base Kings Bay. $0 down, COE help, flood insurance and new construction tips.

VA home loans for St. Augustine, Nocatee, Ponte Vedra, World Golf Village and the rest of St. Johns County. $0 down with full entitlement, CDD fees, flood insurance, base commutes and COE help.

FHA loans in Clay County: 3.5% down with a 580+ score, the 2026 limit of $580,750, manufactured homes, down payment help and local tips for Orange Park, Fleming Island, Middleburg and Green Cove Springs.

First-time buyer options in St. Augustine, Nocatee, World Golf Village and the rest of St. Johns County: FHA, VA, conventional 3%, Hometown Heroes, FL Assist, SHIP and how CDD fees change your budget.