Duval County
Jacksonville Beach Mortgage Broker
Financing for beach homes, condos, and coastal living — with local expertise from a broker who knows the First Coast.
Jacksonville Beach — "Jax Beach" to locals — offers a rare blend of laid-back coastal living and big-city proximity, with the beach, the pier, and a walkable restaurant scene just minutes from downtown Jacksonville. Whether you're buying your first condo near the oceanfront, moving the family to a beachside neighborhood, or investing in a rental property, Michelle Carn brings the local lending experience Jax Beach properties demand.
What to Know About Jacksonville Beach Home Loans
Condo Financing
Beach-area condos have unique lending requirements — warrantability, owner-occupancy ratios, HOA health, and insurance all factor in. Michelle knows which condo projects lenders will finance and which will fight you every step of the way.
Second Homes & Vacation Properties
Jax Beach is a popular second-home market. Second home loans have different rate and down payment guidelines than primary residences — Michelle can walk you through both options side by side.
Investment & Short-Term Rentals
Beach-area properties can be strong short- and long-term rentals. Michelle works with investors on conventional investment loans as well as DSCR and Non-QM programs that qualify based on the property's income.
Coastal Insurance Costs
Wind and flood insurance can materially change the monthly payment on a coastal property. Michelle helps buyers understand the full cost picture before they're under contract.
Loan Programs Available in Jacksonville Beach
As an independent mortgage broker, Michelle shops 30+ lenders to find the program that fits your situation — not a preset product menu. Contact her to discuss which loan type makes sense for your goals.
Frequently Asked Questions — Jacksonville Beach
Can I get an FHA loan on a Jacksonville Beach condo?
It depends on the specific condo project's FHA approval status. Some Jax Beach buildings are FHA-approved and others are not. Michelle can check the project before you get emotionally attached.
Is a second home loan different from an investment property loan?
Yes. Second homes typically qualify for lower rates and smaller down payments than investment properties, but the property must genuinely be used as a second residence. Michelle will help you classify the property correctly from the start.
Other markets Michelle serves:
Michelle Carn | NMLS #917862 | First Coast Mortgage Funding LLC | NMLS #1953441. Information is presented for informational purposes only and is not a commitment to lend. All loans subject to credit approval. Equal Housing Opportunity.