Diana Bunn, Top Mortgage Broker in Jacksonville FL

Diana Bunn, Top Mortgage Broker in Jacksonville FL NE FL and SE GA Mortgage Specialist

Diana Bunn NMLS #316314, First Coast Mortgage Funding NMLS #1953441

Leader in the mortgage industry recognized nationally for bringing innovative and effective solutions to buyers, builders and realtor partners!

Thinking About Building an ADU? You May Be Able to Finance It!Accessory Dwelling Units (ADUs) are becoming one of the sm...
05/08/2026

Thinking About Building an ADU? You May Be Able to Finance It!

Accessory Dwelling Units (ADUs) are becoming one of the smartest ways for homeowners to create additional income, add space for family, or increase property value.

An ADU can be:
✔️ A guest house
✔️ In-law suite
✔️ Garage apartment
✔️ Detached tiny home
✔️ Rental unit for extra income

The good news? There are financing options available that may allow homeowners to:
🔹 Build an ADU
🔹 Renovate existing space into an ADU
🔹 Use equity from their current home
🔹 Roll renovation costs into financing

Whether your goal is multigenerational living, passive income, or increasing long-term property value, an ADU could be a great solution.

I’d be happy to help you explore financing options and see what may work best for your situation.

📩 Message me anytime to learn more!

THIS ONE LOOKED DEAD.Until we changed the strategy.At first glance, this looked like a straightforward agency deal. Stro...
05/07/2026

THIS ONE LOOKED DEAD.
Until we changed the strategy.

At first glance, this looked like a straightforward agency deal. Strong W2 borrower, solid income, stable employment, clean file. Then the rental properties came into play.

Because the borrower had owned the rentals for more than 12 months, agency guidelines required tax returns. No way around it.

Once we reviewed the returns, the issue was obvious. Heavy write-offs and depreciation losses. Great for lowering taxes, not so great for qualifying.

The losses crushed the income and the deal was basically dead.

Instead of forcing an agency approval that was not going to work, we pivoted to a WVOE Non-QM solution.

No tax returns.
No W2s.
No paystubs.

Just a written verification of employment.

Now the rental properties actually helped the file instead of hurting it. Using the lease agreements, we were able to use 75% of the rental income without the tax return losses dragging the borrower down.

Same borrower. Same properties. Completely different outcome.

That is the difference between quoting guidelines and understanding how to structure loans.

WVOE Program Highlights:
• 2 years with same employer
• Up to 80% LTV
• No tax returns, W2s, or paystubs
• No bank statements required at or below 70% LTV
• Primary, second homes, and investment properties
• 620 minimum credit score

If rental properties have been owned for more than a year, agency guidelines will require tax returns. That part is not changing.

But this is exactly where Non-QM can create options, even for traditional W2 borrowers who look “easy” on the surface.

In today’s market, one of the biggest advantages you can have is working with a loan officer who knows when to pivot, how to structure the deal correctly, and where to place it when the first option falls apart.

This deal was dead… until it wasn’t.Another lender couldn’t get it done.We stepped in, restructured it, and got it clear...
04/22/2026

This deal was dead… until it wasn’t.

Another lender couldn’t get it done.
We stepped in, restructured it, and got it clear to close in 10 days.

That’s the difference between quoting loans… and actually closing them.

Best part of what I do?Watching clients come back… and then refer their friends and family.Some of my Realtor partners h...
04/22/2026

Best part of what I do?

Watching clients come back… and then refer their friends and family.

Some of my Realtor partners have sent me every deal for 19+ years.

That doesn’t happen by accident. Last month my clients referred me both of their sons who were ready to buy their first home...these types of referrals mean the world to me.

It happens when you show up, communicate, and actually close.

Every deal is different—but the biggest mistakes are always the same.The right guidance can save you:✔ Time✔ Money✔ Stre...
03/31/2026

Every deal is different—but the biggest mistakes are always the same.

The right guidance can save you:
✔ Time
✔ Money
✔ Stress

That’s what 20+ years teaches you.

DM “EXPERT” if you want it done right the first time.

These 3 things are killing your chances of getting approved…Caption:Most people don’t get denied because they can’t buy…...
03/30/2026

These 3 things are killing your chances of getting approved…

Caption:
Most people don’t get denied because they can’t buy…

They get denied because of simple mistakes like:
❌ Moving money wrong
❌ Opening new credit
❌ Job/income confusion

Avoid these and you’re already ahead.

Comment “FIX IT” and I’ll help you prepare.

You don’t need perfect credit or 20% down…So many people delay buying because of myths.Truth is—you might already qualif...
03/27/2026

You don’t need perfect credit or 20% down…

So many people delay buying because of myths.

Truth is—you might already qualify.

After 20 years, I’ve helped people buy who thought they were years away.

You might be closer than you think.

DM “CLOSER” and I’ll tell you where you stand.

These are 4 loan types we see clients choose often… but only one is right for YOU.FHA. VA. Conventional. DSCR.They all s...
03/26/2026

These are 4 loan types we see clients choose often… but only one is right for YOU.

FHA. VA. Conventional. DSCR.

They all sound similar—but choosing the wrong one can cost you thousands.

After 20+ years, I help clients pick the right loan—not just a loan.

Comment “FINAL FOUR” and I’ll help you decide.

Last week, I had a client making $180,000 a year get denied for a $350,000 mortgage.Crazy, right?She’s a successful busi...
03/26/2026

Last week, I had a client making $180,000 a year get denied for a $350,000 mortgage.

Crazy, right?

She’s a successful business owner with great credit—seemed like an easy approval. But here’s what went wrong:

Because she’s self-employed, the lender used her net income after write-offs, not her gross. That cut her qualifying income way down. Add in a few debts, and suddenly she didn’t qualify.

This happens all the time.

Lenders don’t approve you based on what you make—only what they can use.

The good news? We restructured things with a bank statement program and got her approved. Same client, different strategy.

Income isn’t just a number—it’s how it’s presented.

If you or your clients aren’t sure where you stand, let’s talk before it becomes a problem.

Mortgage Madness: Who Wins Your Loan?Big banks vs local lenders… let’s see who actually wins your loan.”Everyone assumes...
03/25/2026

Mortgage Madness: Who Wins Your Loan?

Big banks vs local lenders… let’s see who actually wins your loan.”

Everyone assumes the big banks are the safest option—but that’s not always true.

With 20+ years as a loan officer, I’ve seen deals fall apart that should’ve been easy.

The difference? Strategy, communication, and actually caring if your deal closes.

Not all lenders are created equal.

Message me “BRACKET” and I’ll break down your best loan option.

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Fernandina Beach, FL

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