North Florida Mortgage

North Florida Mortgage Whether you are buying, building, or refinancing, we have a solution for you.

North Florida Mortgage is a trusted mortgage broker in Jacksonville, FL, dedicated to helping clients secure the best home financing options. With over 17 years of experience, we specialize in a wide range of mortgage solutions tailored to meet the diverse needs of homebuyers and homeowners. Whether you are a first-time homebuyer, a veteran, or someone looking to refinance or access your home equi

ty, our team provides expert guidance and personalized service to make the mortgage process smooth and stress-free. What sets us apart is our deep knowledge of the Jacksonville market and our commitment to building lasting client relationships — we treat every mortgage as if it were our own.

A lot of people think mortgage rates move when the Federal Reserve meets. Mostly, they do not.Mortgage rates follow a go...
06/04/2026

A lot of people think mortgage rates move when the Federal Reserve meets. Mostly, they do not.
Mortgage rates follow a government bond called the 10-year Treasury. Think of it as the IOU the U.S. government issues for 10-year borrowing. When that IOU pays a higher rate, mortgage rates go up too. When it pays less, mortgage rates come down.
What is currently pushing the 10-year up? Things that make investors worry about inflation. Lately that has been oil prices. When gas and shipping get more expensive, the prices of everything go with it, and investors demand a higher rate to lend their money out for the next decade. That higher rate is what shows up on the mortgage you are quoted today.
The flip side matters too. When inflation worries cool off, the chain runs the other way and mortgage rates come back down. None of this is permanent.
If you are house shopping, the practical move is to lock in what you can today and watch the 10-year, not the Fed. If rates drop later, you refinance. Call to talk it through. 904-389-4635.
Nelcor Inc. DBA North Florida Mortgage | NMLS 378379 | Jason Nelson NMLS 225505 | Equal Housing Lender | 904-389-4635

Veterans, this one is worth a minute.When you use your VA loan benefit to buy a house, the VA charges a one-time funding...
06/02/2026

Veterans, this one is worth a minute.
When you use your VA loan benefit to buy a house, the VA charges a one-time funding fee. On a typical first VA loan with no down payment, that fee is about $8,000 on a $375,000 house. It usually gets rolled into the loan, so most veterans never see it as a check they write.
Here is the part a lot of veterans miss: if the VA has given you a disability number from your service, that fee is waived. Completely. That is around $8,000 in savings you keep, instead of carrying it on the loan and paying interest on it for 30 years.
Bring your VA disability paperwork when we sit down. That one document can be worth more than weeks of rate shopping. 904-389-4635.
Nelcor Inc. DBA North Florida Mortgage | NMLS 378379 | Jason Nelson NMLS 225505 | Equal Housing Lender | 904-389-4635

You can also follow on Instagram to see more.
06/01/2026

You can also follow on Instagram to see more.

06/01/2026

Monday market outlook. Here is the key takeaway and what I would do if I were planning a move soon.

Call me at (𝟵𝟬𝟰) 𝟯𝟴𝟵-𝟰𝟲𝟯𝟱 and I will help you map it out.

Buyers, you have more room to negotiate right now than you did a year ago.Here is why. A lot of people put their search ...
05/31/2026

Buyers, you have more room to negotiate right now than you did a year ago.
Here is why. A lot of people put their search on hold, waiting for rates to drop. That has thinned out the crowd of buyers in the market today. Fewer people competing for the same houses means more houses sit a little longer, and sellers get more open to working with you.
What that can look like in practice:
- Asking the seller to lower the price after the inspection. Sellers say yes more often now than they did in 2023.
- Asking the seller to cover some of your closing costs. That is money you do not have to bring to the table.
- Asking the seller to pay your lender to lower your interest rate for the first year or two. Lower payment up front while you settle in.
If rates drop later, you can refinance into a lower rate. The house you buy now you keep; the rate is the thing that can change.
Talk through what works for your situation. 904-389-4635.
Nelcor Inc. DBA North Florida Mortgage | NMLS 378379 | Jason Nelson NMLS 225505 | Equal Housing Lender | 904-389-4635

05/30/2026

Jason drops another market outlook update.
In this market, strategy matters. If you want clarity on your next step, call (𝟵𝟬𝟰) 𝟯𝟴𝟵-𝟰𝟲𝟯𝟱.

You do not need 20% down to buy a house in Duval County.That 20% number is for one kind of loan, where putting that much...
05/30/2026

You do not need 20% down to buy a house in Duval County.
That 20% number is for one kind of loan, where putting that much down lets you skip monthly mortgage insurance. It is not the law. It is not the only option. And for a lot of buyers, it is not the right path.
There is a government backed loan insured by the Federal Housing Administration called FHA. The minimum down payment is 3.5%. On a $325,000 house, that is $11,375. Compare that to the $65,000 a lot of people think they need before they can even start looking.
If you have been waiting for years to save the "right" number, you may already be closer than you think. A 15-minute phone call will tell you what you actually qualify for. Call 904-389-4635.
Nelcor Inc. DBA North Florida Mortgage | NMLS 378379 | Jason Nelson NMLS 225505 | Equal Housing Lender | 904-389-4635

05/28/2026

Market outlook quick hit. Here is what I am watching right now and how it can impact buyers and homeowners.

If you want a plan based on your numbers, call me at (𝟵𝟬𝟰) 𝟯𝟴𝟵-𝟰𝟲𝟯𝟱.

Address

13400 Sutton Park Drive South
Jacksonville, FL
32224

Opening Hours

Monday 9am - 5pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm
Saturday 8am - 6pm

Telephone

+19043894635

Website

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