Self-employed in Clay County? Qualify for a mortgage with 12 or 24 months of bank statements, a P&L or 1099s instead of tax returns.

Everything an out-of-state buyer needs to finance a move to Jacksonville, St. Johns, Clay, Nassau, Baker or Bradford: pre-approval from out of state, new jobs, insurance, flood zones, CDD fees, taxes, buying before selling and remote closings.

Jumbo mortgage options for Ponte Vedra Beach, Sawgrass, Marsh Landing, Old Ponte Vedra, Palencia and Nocatee luxury homes: down payment, reserves, appraisals, bank statement and interest-only options, and coastal insurance.

Mortgage options for Macclenny, Glen St. Mary, Sanderson, Starke, Lawtey, Hampton and Brooker: USDA $0 down, FHA, VA near Camp Blanding, Hometown Heroes for corrections and healthcare workers, manufactured homes and land.

Where USDA $0-down home loans work around Jacksonville, who qualifies, income limits, fees, seller credits, manufactured homes and how USDA compares with FHA and VA.

A plain-English breakdown of Florida closing costs: doc stamps, intangible tax, title insurance, prepaids, who customarily pays what in Northeast Florida, and seller-credit limits for conventional, FHA, VA and USDA.