Mortgage Brokers near Jacksonville Beach

“Hands‑down the best mortgage experience I’ve ever had!

I recently worked with Chad and Whitney at First Down Mortgage, and I can’t recommend them highly enough. Even though the rates they found were comparable to my credit union, I chose them because of their transparency, friendliness, and genuine care throughout the entire process.

They compared multiple rates, walked me through the pros and cons, and ultimately found the best option for my situation. They also took the time to explain terms I wasn’t familiar with, never rushed me, and made what could’ve been a stressful refinance feel surprisingly manageable.

Not to mention that they were incredibly patient and supportive when I accidentally paid for a survey through another lender. As what followed was a long ordeal of formal requests, repeated calls, and escalations to get the survey transferred - and through every step, Chad and Whitney checked in, reassured me, and made me feel like I had true experts in my corner.

The outcome was outstanding - and the closing was wicked fast!

If you want a team that treats you like a human being, advocates for you, and delivers both great service and great rates, First Down Mortgage is the one. I’d work with Chad and Whitney again in a heartbeat!“

“Mike went above and beyond to answer every question and make sure every detail was covered to make sure we got into our house. Great guy!“

“Jim and Alex were simply amazing. To start, they were able to work magic and get us a rate of 5.875%! In this market that is unheard of. On top of an amazing rate, their commitment to service is unmatched. They were readily available to answer any questions we had and helped us navigate a sometimes crazy situation. Their knowledge of the process was a huge asset. Hopefully we will be in this home for a while, but when we buy again I won’t use any other mortgage company! Thank you again Jim and Alex!“

“Working with Beaches Mortgage made my life so much easier. Instead of doing the same paperwork over and over for multiple lenders, I was able to work with one person for all my loan needs. Their knowledge of daily fluctuations in the mortgage market, and access to multiple lenders, combined with hard to find professionalism made them the right choice for us. I’ll go back when it’s time to borrow again.“