Search results for: va
Family and Mortgages in Florida: Buying With, From, or For a Relative
Short answer Family can help in more ways than most buyers know: gift funds, a gift of equity, co-signing as a non-occupant co-borrower, or you can even buy a home for a parent or a disabled adult child. Here’s every option in one place. Call or text 904-880-6741 Ask about your actual file — no…
Read MoreHow Long Do You Need to Be Self-Employed to Get a Mortgage?
Short answer Usually about two years. Many programs accept one to two years if you worked in the same line of work before going out on your own, and bank statement or asset-based loans can help while your business builds history. Call or text 904-880-6741 Ask about your actual file — no SSN, no credit…
Read MoreJacksonville Mortgage Broker: Many Lenders, One Trusted Guide
One broker. Many wholesale lenders. The right loan for you. I’m Nathan Young. Since 2000, I’ve helped Florida families buy and refinance homes by comparing loan options from many wholesale lenders, not just one bank’s menu. Get my free rate quote No SSN needed to start · Free, no-obligation quote · Available for qualified borrowers…
Read MoreMortgage Denied in Jacksonville? Get a Second Opinion Before You Give Up
A mortgage denial is one lender’s decision on one version of your file. It is not the whole market’s decision. Lenders apply the same agency guidelines in different ways. Many add their own stricter rules, called overlays. And sometimes income or debt simply gets calculated in a way that doesn’t help you. A second opinion…
Read MoreMortgage Rates Are Over 7% Again. Here’s What Jacksonville Buyers Can Still Do
Rates jumped back over 7% this week. Six practical ways Jacksonville buyers still lower their payment, from seller-paid buydowns to assumable loans.
Read MoreFHA Down Payment Assistance in Florida: Three Ways to Cover Your Down Payment
Buy with no money down on an FHA loan. Compare 3 Florida down payment assistance options: forgivable 0% second, 10-year repayable, and closing-cost help.
Read MoreMortgage Guidelines Library: Plain-English Guides for Florida Borrowers
Our library of plain-English mortgage guidelines: alternative income, credit, Fannie Mae vs Freddie Mac, VA, FHA, USDA, property types, and special situations.
Read MoreFannie Mae Rental Income Rules: What Counts in 2026
Fannie Mae rental income rules for 2026: the 75% rule, 12-month landlord experience, and the new departing-residence update effective Nov. 1.
Read MoreBank Statement Jumbo Loan in Jacksonville: Interest-Only for Self-Employed Buyers
A bank statement jumbo loan in Jacksonville can pair 12-month bank statement qualifying with a 10-year interest-only period on primary and second homes.
Read MoreIs an Interest-Only Mortgage Worth It? A Jacksonville Broker’s Honest Take
Is an interest-only mortgage worth it? How IO loans work, who they fit, and what happens when the payment resets, from a Jacksonville mortgage broker.
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