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  1. United States
  2. Best Home Renovation Loan Companies
  3. Home Renovation Loan Companies in Florida
  4. Jacksonville

Best Home Renovation Loan Companies in Jacksonville

Jacksonville Home Renovation Loan Companies stats: Key insights from this page’s listings Updated
Businesses listed
8
Average rating
4.7 327 reviews
Most-offered services
Mortgage ServicesHome Purchase Financing
What customers praise
recommend×66highly recommend×35great experience×13recommended×10
Renovation loansJacksonville, FL

1

Academy Mortgage

Known for working closely with local real estate agents and builders, Academy Mortgage helps clients navigate home financing with a focus on clear communication and support. They offer a range of mortgage services, including renovation loans, and customers appreciate their patient, knowledgeable team, though construction delays can sometimes affect timelines.

Services & Prices
Conventional Loan Quoted per loan
FHA Loan Quoted per loan
VA Loan Quoted per loan
View Profile
(904) 647-1777
Closed Now
9428 Baymeadows Rd #545, Jacksonville, FL 32256, USA
General Services
Home Purchase Financing
2

PrimeLending, A PlainsCapital Company - Jacksonville

With over 35 years of experience, PrimeLending, A PlainsCapital Company in Jacksonville specializes in renovation loans that combine home purchase and improvement costs into a single mortgage. Their team guides clients through each step, offering helpful tools and clear communication. Customers appreciate their responsiveness and smooth loan process, though not every experience is perfect.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
VA Loans Quoted per loan
View Profile
(904) 862-7334
Closed Now
8665 Baypine Rd Suite 120, Jacksonville, FL 32256, USA
General Services
Mortgage Services
3

Jamie Zeitz | Homebridge | Sales Manager, Mortgage Loan Originator

Specializing in Renovation Mortgage Loans and Fannie Mae HomeStyle loans, this team simplifies the lending process with clear communication and a step-by-step approach. Customers appreciate their responsiveness and educational support, noting the smooth, well-organized experience even for first-time buyers. Some find the process detailed but manageable with their guidance.

Services & Prices
First-time Home Buyer Loans Quoted per loan
Renovation Loans Quoted per loan
Refinancing Quoted per loan
View Profile
(904) 710-1744
Closed Now
7411 Fullerton St #110, Jacksonville, FL 32256, USA
General Services
Mortgage Services
4

Gateway Mortgage

Gateway Mortgage Group specializes in renovation loans that combine home purchase or refinance with repair costs into a single loan and payment. Their team guides customers through the process clearly and responds quickly, helping many feel supported even during confusing moments. Some find the paperwork and steps a bit complex but appreciate the attentive service.

Services & Prices
Home Purchase Loans Quoted per loan
VA Refinance Loans Quoted per loan
Conventional Loans Quoted per loan
View Profile
(904) 990-5090
Closed Now
7855 Argyle Forest Blvd STE 910, Jacksonville, FL 32244, USA
General Services
Mortgage Services
5

OVM Financial, Inc.

OVM Financial specializes in renovation loans designed to help homeowners transform their properties with flexible financing options. Backed by a team experienced in guiding clients through the mortgage process, they offer support from initial application to closing. While many customers appreciate clear communication and responsiveness, some have noted occasional challenges with rate lock… more...

OVM Financial specializes in renovation loans designed to help homeowners transform their properties with flexible financing options. Backed by a team experienced in guiding clients through the mortgage process, they offer support from initial application to closing. While many customers appreciate clear communication and responsiveness, some have noted occasional challenges with rate lock notifications.

Services & Prices
Loan Origination Quoted per loan
Rate Lock Assistance Quoted per loan
View Profile
(904) 747-1118
Closed Now
1548 The Greens Way Suite 1, Jacksonville, FL 32250, USA
General Services
Mortgage Services
Where they are 8 on the map Click a pin for the profile and directions
6

Prodigy Home Loans

Serving Florida homeowners since 1999, Prodigy Home Loans specializes in renovation loans that cover repairs, improvements, and structural replacements. Their team works closely with multiple lenders to offer competitive rates and keeps clients informed with tools like weekly status updates. Customers appreciate their knowledgeable, responsive approach, though some note the process can still feel… more...

Serving Florida homeowners since 1999, Prodigy Home Loans specializes in renovation loans that cover repairs, improvements, and structural replacements. Their team works closely with multiple lenders to offer competitive rates and keeps clients informed with tools like weekly status updates. Customers appreciate their knowledgeable, responsive approach, though some note the process can still feel complex.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
VA Loans Quoted per loan
View Profile
(904) 222-0000
Closed Now
1844 Atlantic Blvd, Jacksonville, FL 32207, USA
General Services
Mortgage Services
7

Homebridge

Homebridge specializes in renovation loans that help homeowners customize their spaces before moving in, offering financing for projects of any size. The team guides borrowers through the mortgage process with clear communication, though some customers have noted delays and limited support during the renovation phase.

Services & Prices
New Mortgage Quoted per loan
FHA Loan Quoted per loan
Refinance Quoted per loan
View Profile
(904) 710-1744
Closed Now
7411 Fullerton St Suite 110, Jacksonville, FL 32256, USA
General Services
Mortgage Services
8

Andrew Cady | Fairway Independent Mortgage Corporation Branch Manager

Fairway Independent Mortgage Corporation is dedicated to providing simple, affordable mortgage solutions. We have over 670 branches across the country offering hometown service backed by national strength. Whether you’re buying your first home, a second home, or refinancing your current mortgage, Fairway offers a wide variety of home financing options that are designed to fit your unique needs… more...

Fairway Independent Mortgage Corporation is dedicated to providing simple, affordable mortgage solutions. We have over 670 branches across the country offering hometown service backed by national strength. Whether you’re buying your first home, a second home, or refinancing your current mortgage, Fairway offers a wide variety of home financing options that are designed to fit your unique needs and goals. Our loan officers are ready to guide you every step of the way, from application to closing and beyond. Experience counts with renovations. These experts can turn a demanding project into a dream result. Dreams of renovation aren't just for current owners. We have some helpful resources to help any prospective buyer get started.

View Profile
(904) 500-3742
Closed Now
2950 Halcyon Ln STE 704, Jacksonville, FL 32223, USA

Jacksonville Home Improvement Loan Statistics

Home-improvement lending in Duval County and home costs in Jacksonville, FL (latest HMDA and Census data)

Lenders made 1,328 home-improvement loans in Duval County in 2025 (average about $116,000) and denied 1,104 — 45% of decided applications, compared with 46% across Florida, according to federal mortgage data (HMDA, CFPB). The typical home in Jacksonville was built in 1987 and is worth $293,700 (Census ACS 2020–2024).

Home-improvement loans, 2025
1,3280%1,326 in 2024
Denial rate
45%FL 46%
Median year homes built
1987FL 1988
Median home value
$293,700FL $359,000
Home-purchase loans made (Duval County, 2025)
12,958
Refinance loans made (2025)
5,748
Average home-improvement loan
$116,000 (FL $145,000)
Owners with a mortgage
65% · 31% of them spend 30%+ of income on housing
Median household income
$69,872 (FL $74,568)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Duval County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

Jacksonville Home Renovation Loan Companies stats: 8 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Academy Mortgage 5.0 100 Quoted per loan (904) 647-1777 Visit
2 PrimeLending, A PlainsCapital Company - Jacksonville 4.9 100 Quoted per loan (904) 862-7334 Visit
3 Jamie Zeitz | Homebridge | Sales Manager, Mortgage Loan Originator 5.0 53 Quoted per loan (904) 710-1744 Visit
4 Gateway Mortgage 5.0 40 Quoted per loan (904) 990-5090 Visit
5 OVM Financial, Inc. 4.4 17 Quoted per loan (904) 747-1118 Visit
6 Prodigy Home Loans 5.0 10 Quoted per loan (904) 222-0000 Visit
7 Homebridge 3.7 6 Quoted per loan (904) 710-1744 Visit
8 Andrew Cady | Fairway Independent Mortgage Corporation Branch Manager 5.0 1 — (904) 500-3742 Visit

Frequently asked questions

7 questions
How do I choose the best home renovation loan company in Jacksonville?
Consider verified customer reviews, ratings, review volume, and if the business has claimed its profile. TrustAnalytica ranks using these factors for a data-driven choice.
What services do top home renovation loan companies offer?
They provide loans for home renovations, including financing for repairs, upgrades, and remodeling projects. Services typically include loan assessment, application processing, and funding.
Are free consultations common for home renovation loans in Jacksonville?
Yes, many home renovation loan companies offer free consultations to discuss loan options and assess eligibility before proceeding with an application.
How long does it take to get a home renovation loan in Florida?
The process typically takes 30 to 45 days, depending on the lender's requirements and the complexity of the project.
What questions should I ask before choosing a renovation loan company?
Ask about interest rates, loan terms, fees, eligibility requirements, and the application process. Understanding these can help make an informed decision.
Do I need a home renovation loan company for a small project in Jacksonville?
For small projects, consider if personal savings or a smaller loan might suffice. A loan company is beneficial for larger renovations needing significant funding.
How do fees typically work for home renovation loans?
Fees may include origination fees, appraisal fees, and closing costs. These are often a percentage of the loan amount, varying by lender.

General information, not financial advice — consult a qualified professional.

Our Methodology

Best 10 renovation loans list assembly and recognition by TrustAnalytica for Jacksonville is based on online reputation backed by review sources as google reviews, TrustAnalytica reviews and more.

We choose the best companies in the location and rank them based on rating, quantity of reviews and verification (Claimed or unclaimed profile).

Rankings are frequently updated to reflect the latest reviews from trusted sources.

Profile verification is free and may improve ranking, as we prioritize accurate, up-to-date profiles that are actively maintained and regularly reviewed.

TrustAnalytica's procedure for listing renovation loans companies involves manual research, review and placement. Please note that some companies are placed here through their registration with our services as every company gets not only access to our Saas services but also a profile that gets listed. We evaluate businesses based on their online reputation, accessibility, online resources such as website and their fit for best 10 renovation loans category.

The Process

1

Business Verification

Verified renovation loans listings in Jacksonville are based on robust online activity and Google reviews, ensuring credibility.

2

Business Details

Comprehensive renovation loans profiles offer vital details for informed decisions in Jacksonville.

3

Reviews And Ratings

Real-time customer ratings guide our renovation loans rankings in Jacksonville, reflecting genuine reputation.

4

SEO And Keywords

Our SEO strategy elevates the visibility of top renovation loans providers in Jacksonville.

5

AI Search Visibility

Every renovation loans listing in Jacksonville is published with structured data that AI search tools like ChatGPT, Perplexity and Google AI Overviews can read and cite.