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Review Keywords Analysis

  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in Florida
  4. Jacksonville
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
Step 1 of 3

Mortgage Affordability Calculator Jacksonville, FL

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

Add your partner's income if you're buying together.

Car loans, credit cards, lines of credit, student loans. Not rent.

Property tax are for this state.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in Jacksonville

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

First Coast Mortgage Funding

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.

Services & Prices
Home Loan Quoted per loan
Refinancing Quoted per loan
Pre-Approval Quoted per loan
View Profile
(904) 217-5450
Open 8:30 AM - 7:00 PM
11363 San Jose Blvd Bldg 200, Jacksonville, FL 32223
General Services
Mortgage Services
2

North Star Mortgage Network Inc.

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.

Services & Prices
Home Purchase Loans Quoted per loan
VA Loans Quoted per loan
Refinancing Quoted per loan
View Profile
(904) 613-7700
Open 9:00 AM - 7:00 PM
12058 San Jose Blvd Unit 404, Jacksonville, FL 32223
General Services
Mortgage Services
3

Lennar Mortgage, LLC Jacksonville

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.

Services & Prices
Home Loan Quoted per loan
Refinancing Quoted per loan
VA Loan Quoted per loan
View Profile
(904) 380-0940
Closed Now
7411 Fullerton St Ste 201, Jacksonville, FL 32256
General Services
Mortgage Financing
4

Sharp Mortgages Inc. NMLS#155163

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.

Services & Prices
Loan Assessment Quoted per loan
Pre-Approval Services Quoted per loan
View Profile
(904) 997-1093
Closed Now
8785 Perimeter Park Blvd, Jacksonville, FL 32216
General Services
Mortgage Services
5

NFM Lending - Jacksonville

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.

Services & Prices
VA Loan Assistance Quoted per loan
Loan Application Management Quoted per loan
View Profile
(614) 570-9755
Open 00:00 - 23:59
12574 Flagler Center Blvd #117, Jacksonville, FL 32258
General Services
Mortgage Brokerage
Where they are 10 on the map Click a pin for the profile and directions
6

Bayway Mortgage Group

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.

View Profile
(855) 399-0644
Closed Now
8833 Perimeter Park Blvd. | Suite 402 |, Jacksonville, FL 32216
7

Mortgages By Linda

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.

Services & Prices
Mortgage Pre-Approval Quoted per loan
Mortgage Rate Lock Quoted per loan
View Profile
(904) 591-3662
Closed Now
8833 Perimeter Park Blvd Ste 403, Jacksonville, FL 32216
General Services
Mortgage Services
8

Coast2Coast - Lee Simanoff -Mortgage Broker- nmls 817440

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.

Services & Prices
Home Purchase Mortgage Quoted per loan
Refinancing Quoted per loan
Pre-Approval Quoted per loan
View Profile
(904) 446-8533
Open 00:00 - 23:59
13947 Beach Blvd #206, Jacksonville, FL 32224
General Services
Mortgage Brokering
9

First Florida Financial

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.

View Profile
(904) 422-6466
Open 8:00 AM - 6:00 PM
13400 Sutton Park Dr S Ste 1502, Jacksonville, FL 32224
10

Florida Mortgage Corp

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.

View Profile
(904) 334-2498
Open 8:00 AM - 7:00 PM
6817 Southpoint Pkwy #1002, Jacksonville, FL 32216

Jacksonville Mortgage Statistics

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

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).

Home-purchase loans, 2025
12,958▼ 2%13,165 in 2024
Denial rate
16%FL 17%
Median home value
$293,700FL $359,000
Monthly cost with a mortgage
$1,730median · FL $1,959
Refinance loans made (Duval County, 2025)
5,748 · 5,012 in 2024
Home-improvement loans made (2025)
1,328
Average home-purchase loan
$339,000 (FL $416,000)
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 Mortgage Brokers stats: 10 businesses compared side by side · updated
# 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

How this Jacksonville mortgage affordability calculator works

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.

Florida rules and numbers this calculator uses

Debt-to-income
31% for housing and 43% total, the FHA standard and the long-time Qualified Mortgage limit. Some conventional loans go higher with strong credit and savings.
Down payment
At least 3% on a conventional first-time buyer loan (3.5% on FHA). Under 20% down, private mortgage insurance of about 0.6% of the loan a year is added to the payment.
Property tax
About 0.76% of the home's value a year, the Florida average for owner-occupied homes (2024 Census ACS).
Insurance
Homeowners insurance assumed at $150 a month; it varies a lot by home and location.
Rate
Starts at 7.40% (Freddie Mac 30-year average, October 2026). Change it to the rate you have been quoted.

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.

Frequently asked questions

10 questions
How does the mortgage affordability calculator work?
It estimates the highest home price you can qualify for based on income, debts, down payment, and interest rate. It includes PMI and property tax.
How accurate is the mortgage affordability estimate?
The estimate is a general guideline. A pre-approval confirms the real number by verifying your income, debts, credit, and down payment.
What is the debt-to-income ratio for mortgages?
Lenders usually cap housing costs at 31% of gross income and total debt at 43%, though some loans allow more with strong credit.
What is the minimum down payment for a home in Florida?
Minimum down payments are 3% for conventional first-time buyer loans and 3.5% for FHA loans. VA and USDA loans can allow 0% down for eligible buyers.
How does PMI affect my mortgage?
If your down payment is under 20%, PMI is added, roughly 0.6% of the loan annually. It can usually be removed when the loan balance is below 80% of the home's value.
How do interest rates change what I can afford?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates change weekly; the calculator starts at 7.40%.
How do my debts affect the mortgage I can get?
Higher monthly debts reduce the mortgage amount you can qualify for, as lenders limit total debt payments to about 43% of your income.
What is the property tax rate in Florida?
Property tax is about 0.76% of the home's value annually, based on the 2024 average for owner-occupied homes.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves verifying income, debts, and credit, while pre-qualification is an initial estimate without verification.
What does a mortgage broker do?
A mortgage broker helps find and apply for mortgage loans, offering access to multiple lenders and loan options.

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