The Jacksonville mortgage market
Jacksonville is one of the South's most affordable major metros with massive VA volume and steady investor demand.
Naval Station Mayport and NAS Jax make this one of the largest VA loan markets in the U.S.
Top loan programs in Jacksonville
- VA — commonly used by Jacksonville buyers in this market.
- FHA — commonly used by Jacksonville buyers in this market.
- Conventional — commonly used by Jacksonville buyers in this market.
- DSCR — commonly used by Jacksonville buyers in this market.
How to qualify for a mortgage in Jacksonville
Qualifying for a mortgage in Jacksonville follows the same core process as anywhere in Florida: lenders review your credit score, debt-to-income ratio, down payment, and income documentation. The right loan program depends on the property type, your goals, and how the home will be used.
- Primary residences: conventional, FHA, VA, or USDA depending on credit and down payment.
- Second homes: typically conventional or jumbo with 10–20% down.
- Investment properties: conventional investor loans (20–25% down) or DSCR loans based on rental income.
Get pre-approved for a Jacksonville mortgage
Tayton Capital is a mortgage brokerage licensed in Colorado and Florida, helping buyers across Northeast Florida — including Jacksonville — find the right loan program at a competitive rate. We work with conventional, FHA, VA, USDA, jumbo, and DSCR lenders to match each borrower with the best fit.
Get your Jacksonville loan options
See what you qualify for — fast, free, no obligation.