FHA loans in Jacksonville:
Florida's northern gateway
Florida's largest city by area, with a growing market, strong military community and a vibrant Hispanic community. Accessible, dynamic and booming. Loans up to $524K.
2026
metro area
growing
guaranteed
Real Florida,
affordable price.
Jacksonville is Florida's largest city - and the largest of the 48 contiguous states by area. Its housing market is remarkably affordable, with growing employment in healthcare, finance, logistics and the NAS Jacksonville Naval Base.
Options foryour situation
There is no single path to homeownership. We have programs for the self-employed, ITIN, limited credit history and more.
FHA Standard
More in demandThe most affordable program on the market. Down payment from 3.5% and accept family gift as part of the down payment. We work with your credit profile.
- Down payment from 3.5%.
- Profile All types of history
- MS limit $524,225
- MIP 0.55% p.a.
FHA Without Taxes
E&E onlyFor people with formal employment who do not file traditional tax returns. We verify your employment directly with your employer - we only ask for your title and time worked.
- Verification Call to the employer
- Profile We work with you
- Ideal for Employees without formal declaration
- Down payment from 3.5%.
ITIN / TwoRiver
AccessibleDon't have a social security number? With ITIN you can buy a home. We accept alternative credit history - rent, utility, cell phone payments.
- Documents ITIN + alternative history
- Down payment from 3.5%.
- History 12 months of verified rent
- SSN Not required
Non-QM / Alternative Credit
For allFor freelancers, contractors and entrepreneurs who do not qualify through traditional channels. No traditional payroll (W-2), no tax returns - we use bank statements, P&L or investment property flow-through.
- Documents Account statements, P&L, 1099, DSCR
- Profile We evaluate your case
- DTI up to 55%.
- To 2.5M - 1-4 units
Jacksonville:
Real Florida,affordable price.
Jacksonville - Orange Park - St. Augustine FHA - VA - ITIN - Non-QM
Florida's largest city, affordable and growing. With a strong military community and dynamic market, Jacksonville is where the dream of homeownership is closest. An advisor who won't give up, with you from start to finish.
- No mandatory SSN
- Solution always, without giving up
- In your language
- We accompany you in everything
Everything you needknow in Jacksonville
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The FHA 2026 limit in Duval County (Jacksonville) is.$524,225for a 1-unit property. With the median price of ~$310,000, the vast majority of homes in the Jacksonville area fit within the FHA program.
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Yes. Jacksonville is home to the NAS Jacksonville Naval Base, one of the largest on the East Coast. VA loans offerzero hitchno monthly mortgage insurance (PMI) and competitive rates. If you are a veteran or active military, this is the best program available.
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Yes, we work with clients who use ITINs and people without Social Security numbers. We evaluate your alternative payment history and find the program that best fits your situation. There is no obstacle we won't try to solve.
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We operate inthe entire Jacksonville metropolitan areaOrange Park, Fleming Island, Mandarin, St. Augustine, Ponte Vedra, St. Johns, Fernandina Beach and Middleburg. We know the markets of North Florida.