Duval County
Jacksonville Mortgage Broker
Local expertise. 30+ lenders. A smoother path to your Jacksonville home.
Jacksonville is one of the most geographically diverse housing markets in Florida — from riverside Riverside-Avondale bungalows to gated communities in Mandarin, new construction in the Northside, and walkable townhomes near Town Center. Michelle Carn has been helping Jacksonville buyers and homeowners navigate this market since 2012. As an independent broker with First Coast Mortgage Funding, she shops 30+ lenders to find a loan structure that fits your situation — not a bank's product menu.
What to Know About Jacksonville Home Loans
First-Time Buyers
Jacksonville's median home price makes it one of the more accessible Florida metros. FHA, USDA, and down payment assistance programs can help qualified buyers get into a home with less upfront.
VA Loans
Jacksonville is home to NAS Jacksonville and a large active-duty and veteran community. Michelle is experienced with VA loan guidelines, entitlement restoration, and funding fee exemptions.
Investment Property
Jacksonville's rental market has drawn significant investor interest. Michelle works with investors on conventional, DSCR, and Non-QM loans for single-family rentals, small multifamily, and short-term rentals.
Jumbo & Luxury
Homes in San Marco, Ponte Vedra, and waterfront neighborhoods along the St. Johns River regularly exceed conforming loan limits. Michelle has access to jumbo and portfolio loan options for higher-priced properties.
Loan Programs Available in Jacksonville
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
Do I need to live in Jacksonville to work with Michelle?
No. Michelle is licensed throughout Florida and works with buyers relocating to Jacksonville from anywhere in the country.
How long does it take to get pre-approved?
Most clients receive a pre-approval decision within 24–48 hours of submitting a complete application and supporting documents.
What's the difference between a mortgage broker and a bank?
A bank offers its own loan products. An independent broker like Michelle shops multiple lenders to find terms that fit your situation — giving you more options and often more competitive pricing.
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.