One of Jacksonville's Most Trusted Mortgage Lenders

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Dependable Home Loan & Refinancing Specialists in Jacksonville, Florida

The mortgage industry can sometimes seem hopelessly complex to the uninitiated. The sheer level of information can be overwhelming. You may not know where to start when applying for a home loan. But that’s OK — that’s what Academy is here for, to help you through the convoluted process.

It’s our job to know everything about all the mortgage programs available to our customers. We pride ourselves on our thoroughness, our experience and our commitment to customer satisfaction. We take the time to find out all the pertinent information regarding our clients’ financial background so we can recommend a great program for them.

Some Jacksonville residents fear that they may not qualify for a home loan. But many are pleasantly surprised to find out that isn’t the case. Home loans are not only for homebuyers with perfect credit scores and money in the bank; there are many programs designed specifically to help certain segments of the population, including low-income earners.

Our customers appreciate that at Academy, their mortgage lender is a familiar face in the Jacksonville community, not a stranger on the other end of the phone they have never met. We’re here to assist you in your journey to achieving homeownership. We Inspire Hope, Deliver Dreams and Build Prosperity.

 
 

Our Home Loan Options

Jacksonville residents are lucky that they have many home loan options available to them. But with each one having different benefits and requirements, how do you know which is right for you?

It’s likely you don’t, but that’s OK, because the experts at Academy know! It’s our job to match our clients with a good home loan option for them.

Different programs are right for different kinds of buyers. These programs help get more Jacksonville residents into their own homes. If you’re a first-time buyer, a Veteran or someone whose credit score is lower than optimal, we may be able to help you get into a mortgage program specifically designed for you.

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Fixed-Rate and Adjustable Rate Mortgages

It can be hard to know when to go with a fixed-rate or an adjustable-rate mortgage. Our experts can help you determine what fits your situation.

Find out more today.

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FHA LOANS

If you’re low income or have a less-than-optimal credit score, you may qualify for an FHA Loan. Ask the Academy team in Jacksonville for more details.

Get more info here.

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State Housing Agency Loans and DPA Programs

Homebuyers who don’t have a lot of cash saved may benefit from a Down Payment Assistance Loan. Talk to our mortgage lenders about how to apply.

Read more here.

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USDA Loans

Are you interested in living in a rural area near Jacksonville? With a USDA Loan, you can get a home for less — our team can show you how.

Read more here.

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Conventional Mortgages

If you have a great credit score and money saved up for a down payment, a Conventional Loan is what you want. See our mortgage lenders to find out how to apply.

Find out about its benefits here.

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VA Loans

Veterans and their surviving spouses are eligible for 0-down VA Loans with no monthly PMI in Jacksonville. Our team can guide you through the application process.

Read more here.

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Renovation Loans

Renovating your home is an investment, but it can get expensive. Talk to our mortgage lenders about getting a Renovation Loan to fund your home improvement projects.

Learn more here.

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Refinance Loans

A Refinance Loan can reduce your monthly mortgage payment or shave years off your loan term. Come talk to our team to find out how to apply.

Learn more here.

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Jumbo Mortgages

If you fell in love with a pricey home in Jacksonville, you may need a Jumbo Mortgage to fund your purchase. We can help you find out if you qualify.

Learn if you’re eligible for a Jumbo Loan today.

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Reverse Mortgages

Jacksonville residents 62 and older may want to get a Reverse Mortgage to help with monthly expenses. Ask us how this program for senior homeowners works.

Read more here.

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First-time Homebuyer Loans

If you’re a first-time homebuyer, you may be eligible for certain perks. Talk to us to see if you qualify for one of these great mortgage programs.

Read more here.

Should You Refinance Your Jacksonville, Florida Home?

In certain circumstances, mortgage refinancing can save homeowners a lot of money. The Academy team helps our customers determine when this financial move is right for them.

The main reason Jacksonville homeowners call us about mortgage refinancing is because interest rates have fallen. When the current interest rate is far enough below the one you have now, you may be able to save money.

If, over time, interest rates have fallen and your credit score has improved, you may be eligible to refinance your mortgage at a lower rate. If you keep the term the same, your monthly payments will likely be lower. If you extend the term, they will be significantly lower.

Refinancing Your Mortgage Can Get You a Better Deal

Some homeowners opt to shorten their term when they refinance. This usually results in a higher monthly payment, but you can save tens of thousands of dollars by paying the loan off sooner.

Another option that is sometimes available to homeowners who refinance is to get cash back. This is perfect for homeowners who may have suffered a financial crisis or for homeowners who want to fund a purchase such as a new car.

If you got an adjustable-rate mortgage when you took out your original mortgage, you may opt to switch to a fixed-rate mortgage when you refinance. This allows for more predictable monthly payments.

If you’re wondering if mortgage refinancing is a good idea for you, contact the team at Academy. We help Jacksonville homeowners with all their mortgage-related questions.

Why Choose Us?

Academy wants you to think of friendly faces when you think of your local mortgage lender, because buying a home is an emotional experience. We’re not just a telephone number or a website, we’re real, live people, here to help you every step of the way. Our clients love us because of our experience, our professionalism and our commitment to customer service. We’re here to help you realize your dream of homeownership.

 

CONTACT US for more information about Academy Mortgage, your 1st CHOICE Home Loan Lender!


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