Jordan Vreeland
Licensed Mortgage Broker · NMLS #795404
FHA, VA, USDA, conventional, jumbo. Jacksonville buyers have more loan options than most markets. We help you figure out which one fits your situation and close it fast. Jordan has closed loans in as few as 5 days.
Jacksonville is the largest city by land area in the continental US, and that size means real variety for buyers. You can find starter homes in Westside and Arlington in the $200s, established suburban neighborhoods in Mandarin and Southside, luxury waterfront on the Intracoastal, and new construction throughout St. Johns County, all within the same metro. That breadth makes Jacksonville one of the most accessible markets in Florida.
Compared to South Florida (Miami, Fort Lauderdale, West Palm Beach), Jacksonville offers significantly more purchasing power for the same budget. A buyer who could only afford a condo in Broward County might be able to get a 4-bedroom home in St. Johns County for the same monthly payment. That's a real conversation we have regularly with buyers relocating from South Florida.
The military presence here is significant too. NAS Jacksonville and Naval Station Mayport mean a large portion of the buyer pool has VA loan eligibility. VA loans are one of the strongest programs available anywhere: zero down payment, no monthly mortgage insurance, and competitive rates. If you're active duty or a veteran, it should be the first option you evaluate.
14 Days To Close serves Jacksonville buyers across all of Duval County, St. Johns County, Clay County, and Nassau County. We're licensed throughout Florida and most states nationwide (excluding NY). See our guide to the Jacksonville mortgage broker process if you're comparing lenders and want to know what to look for.
Jacksonville's market has more loan program variety than most cities. Here's what's available, who each one fits, and what makes each one relevant to this specific market.
Down payments as low as 3.5% and more flexible credit requirements than conventional. A strong fit for buyers in Westside, Arlington, and Regency: neighborhoods where FHA purchase prices fall well within lending limits. Pairs well with Hometown Heroes DPA.
Zero down payment, no monthly PMI, and competitive rates. NAS Jacksonville and Naval Station Mayport make this one of the most-used loan types in the market. If you have VA eligibility, there's rarely a reason not to use it.
Zero down payment in USDA-eligible areas. Outer Duval County and Clay County have eligible zones that many buyers overlook. Income and property location requirements apply. We check eligibility in your pre-approval consult at no cost.
The right tool for buyers with solid credit, stable income, and a down payment. St. Johns County and Ponte Vedra price points favor conventional financing. Flexible terms, no upfront mortgage insurance, and the most widely accepted loan type by sellers across Jacksonville.
For properties that exceed conventional loan limits. Ponte Vedra Beach, Atlantic Beach, San Marco, and Riverside waterfront homes regularly require jumbo financing. We work with buyers at these price points regularly and know what lenders look for in high-value files.
Lower your rate, shorten your term, or pull equity from your Jacksonville home. We run the numbers first so you know whether a refinance makes financial sense before you commit to anything.
We look at your full picture (credit, income, down payment, property type) and tell you exactly which programs you qualify for. Takes about 15 minutes.
The mortgage process in Jacksonville follows the same general sequence as anywhere in Florida, but how fast you move through it depends heavily on your lender's process and how prepared you are going in. Here's what the path looks like from start to close.
A quick estimate of how much you might qualify for based on income and credit. It's helpful for budgeting, but it's not what you bring to a showing. Sellers and agents don't take prequalification seriously in a competitive market.
A full review of your credit, income, and assets with a formal letter stating what you're approved to borrow. This is what you bring to offer negotiations. In active Jacksonville neighborhoods, buyers without preapproval letters lose deals to those who have them.
One step most buyers don't know about. Fannie Mae's automated underwriting system can review your file before you're under contract and give a more thorough approval signal than a standard preapproval. Sellers and listing agents recognize it. It makes offers stronger, especially in multiple-offer situations common in St. Johns County and Ponte Vedra.
Once your offer is accepted, your file goes into full underwriting review. Appraisal, title, inspection, and document verification all happen here. The speed of this phase depends on how clean your file is and how responsive your lender is.
Your "clear to close" means underwriting is satisfied and the loan is ready to fund. Closing day involves signing documents and receiving the keys. Jordan has moved buyers from application to clear to close in as few as 5 days. The industry average is 30 to 45.
Most Jacksonville buyers don't know there's meaningful down payment assistance available right now. The largest program in the state is specifically relevant to a wide range of buyers in this market. Here's what's active:
Program availability and income limits change. We verify current eligibility during your pre-approval. No obligation, no runaround. Check our Florida down payment assistance guide for the full statewide picture.
Jordan Vreeland built 14 Days To Close around one idea: the mortgage process should move as fast as the buyer is ready to move. In 2025, the company funded $93 million in loans across Florida. That track record isn't built on luck. It's built on a system.
Most lenders treat pre-approval as the finish line before contract. We take buyers further. The DU Approval process (running your file through Fannie Mae's Desktop Underwriter before you're under contract) gives Jacksonville buyers a real competitive edge. When multiple offers come in on a Nocatee or Ponte Vedra listing, the buyer with a DU Approval stands out. Listing agents know what it means.
Jacksonville has a large active-duty and veteran population. We handle VA loans regularly and know the process well: from the certificate of eligibility through the VA appraisal to the funding fee. If you're buying near NAS Jacksonville or Mayport and using your VA benefit, we'll make it clean.
1,400+ five-star reviews on Google from buyers across Florida. Here's what clients say about working with Jordan and the 14 Days To Close team.
"Be ready to close in 14 days. They'll keep you on track and make sure, from set up to tours, to get it done. I personally have never received this type of service... They live by their name! Great team!!"
"Jordan and the team helped us every step of the way. There were no crazy surprises in the process, very open, honest and available for every question I had. We have been in our home now for over half a year and are more than satisfied."
Individual results may vary. Closing timelines depend on factors including appraisal, title, inspection, and borrower circumstances. 14 Days To Close does not guarantee a specific closing date.
Find out which loan fits your situation and walk into every Jacksonville showing with financing that sellers take seriously. We'll tell you exactly where you stand. No waiting, no runaround.