Michelle Carn - NMLS 917862 - 1953441

Michelle Carn - NMLS 917862 - 1953441 Hi, I’m Michelle Carn, Mortgage Loan Officer - NMLS # 917862, with First Coast Mortgage Funding My name is Michelle Carn.

I was born and raised in Jacksonville, FL and have lived on the First Coast my entire life! I always knew from a young age that I wanted more for myself and my future family. Because of that, I worked hard for my education, career opportunities and continue to push myself to discover new levels of "success". I believe the growth from my humble beginnings to where I am today is my greatest professi

onal accomplishment. I began my career as a loan originator in a call center over 10 years ago, moved on to a junior and eventually senior loan officer with another lender, successfully opening and manager a branch, to now becoming a broker. Since starting in this industry, I am proud to say that my team and I have been able to help over 1000 families into homes locally, throughout Northeast Florida.

Mortgage rates can shift overnight and it’s not always your lender’s fault. Learn what moves rates, how rate locks work,...
08/14/2026

Mortgage rates can shift overnight and it’s not always your lender’s fault. Learn what moves rates, how rate locks work, and why the lowest advertised rate may not be the best fit for you. Read the full breakdown from Mortgage Loan Originator Michelle Carn. https://wix.to/1n0zdAc

Mortgage rates can change overnight. Learn what causes rates to move, how rate locks work, and why the lowest rate may not be the best deal.

08/12/2026

Searching for your dream home? Give me a call and let's find you the right option to go into your search with confidence.

After consulting the sun, the moon and the planets, the answer is clear: You need to connect with me to learn more about...
03/03/2026

After consulting the sun, the moon and the planets, the answer is clear: You need to connect with me to learn more about homeownership!

Ready to buy in Northeast Florida? I’ll guide you from pre-approval to closing so you know what’s next at every step. Ex...
02/17/2026

Ready to buy in Northeast Florida? I’ll guide you from pre-approval to closing so you know what’s next at every step. Expect clear milestones, common stumbling blocks, and practical tips to speed approvals and protect your budget. Need help navigating Jacksonville’s market? Visit www.michellecarn.com and let’s make your move smoother! 🏠🔑🌴

Jacksonville market snapshot from Michelle: Prices are steady, but buyer competition varies by neighborhood. Should you ...
02/10/2026

Jacksonville market snapshot from Michelle: Prices are steady, but buyer competition varies by neighborhood. Should you lock a rate now or wait for movement? I’ll help match your loan program to current affordability and timing. Ready to make a smart move in Jacksonville? Visit www.michellecarn.com for a quick consult! 🏡📊

Jacksonville market shifting? I’ve been watching the data and I can help you use it to your advantage. Low inventory in ...
02/03/2026

Jacksonville market shifting? I’ve been watching the data and I can help you use it to your advantage. Low inventory in parts of Northeast Florida is boosting competition, so choosing the right loan program and locking a rate at the right moment can save you thousands. I bring local experience and real client outcomes to guide those choices. Ready to see which mortgage fits you? Visit www.michellecarn.com to get started! 🏡🔑📈

Shopping 30+ lenders matters. I compare rates, fees and loan features so Northeast Florida buyers get the lowest-cost mo...
01/26/2026

Shopping 30+ lenders matters. I compare rates, fees and loan features so Northeast Florida buyers get the lowest-cost mortgage possible. I run side-by-side comparisons, negotiate options, and present clear choices — no jargon. For example: a Jacksonville family I worked with saved $180/month by switching to a better rate and different loan term. That’s faster equity and a smoother path to owning their home. Ready to see what you could save? Visit www.michellecarn.com 🔍🏡

Wondering if you should buy or keep renting in Jacksonville? I break down how interest rates, down payment strategies, a...
01/20/2026

Wondering if you should buy or keep renting in Jacksonville? I break down how interest rates, down payment strategies, and local appreciation change the math. I run comparative scenarios using different loan programs to show when buying beats renting and why an independent loan officer matters. Ready to see what makes sense for your household? Visit www.michellecarn.com for a personalized review! 🔍🏠

Have you heard? Interest rates have dipped below 6%, and that might just make 2026 the year to buy your home! Lower rate...
01/19/2026

Have you heard? Interest rates have dipped below 6%, and that might just make 2026 the year to buy your home! Lower rates mean potentially hundreds saved monthly on your mortgage. Let me help you navigate all your options and find a loan that fits your needs. Curious how this impacts Jacksonville homebuyers? Let’s talk! 🏡💬

Address

11363-200 San Jose Boulevard
Jacksonville, FL
32223

Telephone

+19046550040

Website

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