How much house can you afford in Jacksonville? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · current rates and lending limits
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Enter your yearly household income.
Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
|---|
First Coast Mortgage Funding
5.0 · 498 reviews · Free pre-approval
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North Star Mortgage Network Inc.
5.0 · 369 reviews · Free pre-approval
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Lennar Mortgage, LLC Jacksonville
4.8 · 310 reviews · Free pre-approval
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An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Known for a fast, easy mortgage process supported by 24/7 responsiveness, First Coast Mortgage Funding offers a range of home purchase and refinancing options tailored to individual needs. Customers appreciate the team’s clear communication and helpful guidance, which often makes navigating financing feel straightforward and manageable.
Known for transparent, upfront guidance and competitive rates, North Star Mortgage Network serves homebuyers and investors across Florida with a wide range of loan options, including VA, FHA, and Jumbo loans. Clients appreciate the team’s clear communication and responsiveness, though some note occasional delays typical of complex closings.
With over 50 years of experience specializing in financing new construction homes, Lennar Mortgage offers tailored loan options and clear guidance throughout the mortgage process. The team is known for being responsive and supportive, helping buyers feel informed and confident, though some may find the process detailed due to thorough documentation requirements.
Sharp Mortgages Inc. NMLS#155163 is known for its patient and responsive approach, guiding clients through the homebuying process without pressure. The team offers mortgage brokering services, including assistance with condo assessment loans and equity extraction. Customers appreciate their clear communication and support, though some note the process can take time.
Specializing in fast, clear preapprovals, Mr. Preapproval focuses on guiding clients through a variety of loan options, including VA, FHA, Conventional, and Jumbo loans. The team is known for thorough communication and personalized advice, helping buyers—from first-timers to investors—navigate complex financing with confidence. Some clients note the process can be detailed, but appreciate the… more...
Specializing in fast, clear preapprovals, Mr. Preapproval focuses on guiding clients through a variety of loan options, including VA, FHA, Conventional, and Jumbo loans. The team is known for thorough communication and personalized advice, helping buyers—from first-timers to investors—navigate complex financing with confidence. Some clients note the process can be detailed, but appreciate the steady support throughout.
Bayway Mortgage Group specializes in VA home loans, offering flexible scheduling and thorough guidance throughout the process. The team handles everything from initial questions to closing, often accommodating last-minute needs. Customers appreciate their clear communication and upfront approach, though some note the process can feel detailed at times.
Mortgages By Linda is known for its responsive and personalized approach, often going beyond standard hours to support clients through complex mortgage situations. The team offers guidance on loan approvals, rate locking, and coordinating with realtors and insurance providers. Clients appreciate their clear communication and thorough assistance, especially with complicated paperwork.
Coast2Coast - Lee Simanoff -Mortgage Broker- nmls 817440 offers personalized mortgage and refinancing services with a focus on clear communication and quick responses, even outside typical hours. The team assists clients through home buying and refinancing processes, providing timely updates and easy document handling. Customers appreciate their approachability and reliability throughout each… more...
Coast2Coast - Lee Simanoff -Mortgage Broker- nmls 817440 offers personalized mortgage and refinancing services with a focus on clear communication and quick responses, even outside typical hours. The team assists clients through home buying and refinancing processes, providing timely updates and easy document handling. Customers appreciate their approachability and reliability throughout each step.
First Florida Financial offers a broad selection of mortgage products, including specialized loans like Non-QM and Business Bank Statement options, to fit varied borrower needs. The team provides clear explanations and personalized guidance, helping clients navigate the mortgage process with tools that simplify complex decisions. Some customers note the process can feel detailed but appreciate… more...
First Florida Financial offers a broad selection of mortgage products, including specialized loans like Non-QM and Business Bank Statement options, to fit varied borrower needs. The team provides clear explanations and personalized guidance, helping clients navigate the mortgage process with tools that simplify complex decisions. Some customers note the process can feel detailed but appreciate the thorough support.
Florida Mortgage Corp specializes in guiding first-time homebuyers and investors through the mortgage process with clear, personalized support. Their services include mortgage pre-approval, loan comparisons, and refinancing, with a focus on simplifying complex financing steps. Clients appreciate the team’s responsiveness and steady communication throughout each transaction.
Lenders made 12,958 home-purchase loans in Duval County in 2025 (average about $339,000) and denied 2,457 — 16% of decided applications, compared with 17% across Florida, according to federal mortgage data (HMDA, CFPB). In Jacksonville, the median home is worth $293,700 and 65% of owners have a mortgage, paying a median $1,730 a month (Census ACS 2020–2024).
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.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | First Coast Mortgage Funding | 5.0 | 498 | Quoted per loan | (904) 217-5450 | Visit |
| 2 | North Star Mortgage Network Inc. | 5.0 | 369 | Quoted per loan | (904) 613-7700 | Visit |
| 3 | Lennar Mortgage, LLC Jacksonville | 4.8 | 310 | Quoted per loan | (904) 380-0940 | Visit |
| 4 | Sharp Mortgages Inc. NMLS#155163 | 5.0 | 189 | Quoted per loan | (904) 997-1093 | Visit |
| 5 | NFM Lending - Jacksonville | 4.9 | 184 | Quoted per loan | (614) 570-9755 | Visit |
| 6 | Bayway Mortgage Group | 4.9 | 167 | — | (855) 399-0644 | Visit |
| 7 | Mortgages By Linda | 4.9 | 164 | Quoted per loan | (904) 591-3662 | Visit |
| 8 | Coast2Coast - Lee Simanoff -Mortgage Broker- nmls 817440 | 5.0 | 58 | Quoted per loan | (904) 446-8533 | Visit |
| 9 | First Florida Financial | 4.7 | 49 | — | (904) 422-6466 | Visit |
| 10 | Florida Mortgage Corp | 5.0 | 44 | — | (904) 334-2498 | Visit |
Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.
An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.
General information, not financial advice — consult a qualified professional.