Florida › Jacksonville › No or low down payment home loans

No or low down payment home loans in Jacksonville

By Kunal (KJ), former licensed mortgage loan originator · Sources: Florida OFR license file, FDIC, NCUA, firm websites, HMDA

67 firms with a Jacksonville office offer at least one loan that fits: 25 mortgage lenders, 20 mortgage brokers, 13 banks, 9 credit unions. The specific loans behind this page are listed below, each with its own page.

The loans this covers

• First time home buyer loans and programs48 firms
• USDA loans42 firms
• VA loans36 firms
• Florida Housing and Hometown Heroes loans25 firms
• Down payment assistance programs19 firms

• AMMortgage lender

  Alcova Mortgage LLC

  Jacksonville +4 more NMLS 1458429

  • 1099 income loans
  • Bank statement loans
  • Bridge loans
  • Cash out refinance
  • +12 more
  158 FL loans in 2025See this lender
• BMMortgage lender

  Better Mortgage Corporation

  Jacksonville +3 more NMLS 2698023

  • Florida Housing and Hometown Heroes loans
  1,004 FL loans in 2025See this lender
• CMMortgage lender

  Canopy Mortgage, LLC

  Jacksonville +2 more NMLS 2401861

  • FHA loans
  • First time home buyer loans and programs
  • Jumbo loans
  • Non QM loans
  • +3 more
  149 FL loans in 2025See this lender
• CFMortgage lender

  Cardinal Financial Company, Limited Partnership

  Jacksonville NMLS 2751606

  • Adjustable rate mortgages (ARM)
  • Rate buydown mortgages
  • Cash out refinance
  • Condo mortgages
  • +13 more
  1,232 FL loans in 2025See this lender
• Mortgage lender

  Carrington Mortgage Services, LLC

  Jacksonville +1 more NMLS 1133936

  • Adjustable rate mortgages (ARM)
  • Assumable mortgages
  • Cash out refinance
  • Conventional mortgages
  • +10 more
  1,296 FL loans in 2025See this lender
• Credit union

  Coastline

  Jacksonville

  • Cash out refinance
  • Construction loans
  • Conventional mortgages
  • First time home buyer loans and programs
  • +9 more
  81 FL loans in 2025See this credit union
• CFCredit union

  Community First Credit Union Of Flo

  Jacksonville

  • 10 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • Commercial real estate loans
  • +9 more
  1,135 FL loans in 2025See this credit union
• Credit union

  First Florida

  Jacksonville +7 more

  • First time home buyer loans and programs
  • HELOCs
  • Land loans
  • Net lease financing
  • +1 more
  116 FL loans in 2025See this credit union
• Bank

  First-Citizens Bank & Trust Company

  Jacksonville +21 more

  • 10 year fixed mortgages
  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Asset depletion loans
  • +18 more
  266 FL loans in 2025See this bank
• Credit union

  Florida

  Jacksonville +7 more

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Blanket and portfolio loans
  • Cash out refinance
  • +18 more
  840 FL loans in 2025See this credit union
• GMMortgage lender

  Guild Mortgage Company LLC

  Jacksonville +22 more NMLS 1771956

  • 10 year fixed mortgages
  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Rate buydown mortgages
  • +18 more
  2,790 FL loans in 2025See this lender
• MMMortgage lender

  Movement Mortgage, LLC

  Jacksonville +24 more NMLS 1166394

  • Cash out refinance
  • Condo mortgages
  • Conventional mortgages
  • DSCR loans
  • +12 more
  4,122 FL loans in 2025See this lender
• Mortgage lender

  Nvr Mortgage Finance, INC.

  Jacksonville +3 more NMLS 1621588

  • Adjustable rate mortgages (ARM)
  • Down payment assistance programs
  • FHA loans
  • Jumbo loans
  • +3 more
  1,211 FL loans in 2025See this lender
• Mortgage lender

  Point Mortgage Corporation

  Jacksonville +5 more NMLS 1313812

  • Adjustable rate mortgages (ARM)
  • Commercial real estate loans
  • Conventional mortgages
  • Down payment assistance programs
  • +10 more
  711 FL loans in 2025See this lender
• Credit union

  Publix Employees

  Jacksonville +3 more

  • First time home buyer loans and programs
  • Jumbo loans
  • Land loans
  • Refinance
  61 FL loans in 2025See this credit union
• Credit union

  Radifi

  Jacksonville +3 more

  • 10 year fixed mortgages
  • Cash out refinance
  • First time home buyer loans and programs
  • HELOCs
  • +5 more
  314 FL loans in 2025See this credit union
• SMMortgage lender

  Summit Mortgage Corporation

  Jacksonville +1 more NMLS 1800426

  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • Conventional mortgages
  • Down payment assistance programs
  • +7 more
  1 FL loans in 2025See this lender
• Credit union

  Together Credit Union

  Jacksonville +2 more

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • FHA loans
  • +7 more
  43 FL loans in 2025See this credit union
• ANMortgage lender

  American Neighborhood Mortgage Acceptance Company LLC

  Jacksonville +9 more NMLS 2388553

  • Florida Housing and Hometown Heroes loans
  856 FL loans in 2025See this lender
• APMortgage lender

  American Pacific Mortgage Corporation

  Jacksonville +23 more NMLS 2094348

  • Florida Housing and Hometown Heroes loans
  1,751 FL loans in 2025See this lender
• CFMortgage lender

  Cornerstone First Mortgage, INC.

  Jacksonville +7 more NMLS 2085164

  • Florida Housing and Hometown Heroes loans
  1,568 FL loans in 2025See this lender
• GRMortgage lender

  Guaranteed Rate, INC.

  Jacksonville +22 more NMLS 1103626

  • Florida Housing and Hometown Heroes loans
  3,204 FL loans in 2025See this lender
• LCMortgage lender

  Loandepot.Com, LLC

  Jacksonville +13 more NMLS 1188814

  • Florida Housing and Hometown Heroes loans
  7,460 FL loans in 2025See this lender
• SMMortgage lender

  Swbc Mortgage Corporation

  Jacksonville +2 more NMLS 1567395

  • Florida Housing and Hometown Heroes loans
  329 FL loans in 2025See this lender
• ACredit union

  Alive

  Jacksonville

  • Construction loans
  • First time home buyer loans and programs
  • Home equity loans
  • Net lease financing
  • +2 more
  See this credit union
• ALMortgage broker

  Ane Lending LLC

  Jacksonville NMLS 1999497

  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • Conventional mortgages
  • DSCR loans
  • +9 more
  See this broker
• BVMortgage broker

  Bright Vision Mortgage, INC.

  Jacksonville NMLS 148966

  • Adjustable rate mortgages (ARM)
  • Interest only mortgages
  • Refinance
  • VA loans
  See this broker
• CFMortgage lender

  C2 Financial Corporation

  Jacksonville +15 more NMLS 1183712

  • First time home buyer loans and programs
  • Interest only mortgages
  • Refinance
  See this lender
• Mortgage broker

  Capstone Mortgage Lending LLC

  Jacksonville +3 more NMLS 1973764

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • FHA loans
  • +7 more
  See this broker
• CBBank

  Cogent Bank

  Jacksonville +10 more

  • Asset depletion loans
  • Bridge loans
  • Business acquisition loans
  • Commercial real estate loans
  • +16 more
  See this bank
• Bank

  Colony Bank

  Jacksonville +1 more

  • Commercial real estate loans
  • Construction loans
  • Farm loans
  • HELOCs
  • +5 more
  See this bank
• Mortgage broker

  Creative Mortgage Solutions CORP

  Jacksonville NMLS 2387756

  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • Conventional mortgages
  • Down payment assistance programs
  • +13 more
  See this broker
• Mortgage broker

  Dixon Link Capital LLC

  Jacksonville NMLS 2029225

  • 10 year fixed mortgages
  • Bridge loans
  • Business acquisition loans
  • Cash out refinance
  • +15 more
  See this broker
• EHMortgage broker

  Edge Home Finance, LLC

  Jacksonville +25 more NMLS 2135961

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • FHA loans
  • +7 more
  See this broker
• ELMortgage broker

  Elite Lending Service, INC

  Jacksonville NMLS 1762211

  • Adjustable rate mortgages (ARM)
  • Bridge loans
  • Conventional mortgages
  • FHA loans
  • +7 more
  See this broker
• Mortgage lender

  Envoy Mortgage Ltd

  Jacksonville +1 more NMLS 2302318

  • Adjustable rate mortgages (ARM)
  • Bridge loans
  • Rate buydown mortgages
  • Cash out refinance
  • +19 more
  See this lender
• Mortgage lender

  First Coast Mortgage Funding LLC

  Jacksonville NMLS 1953441

  • 1099 income loans
  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Asset depletion loans
  • +38 more
  See this lender
• Bank

  First Federal Bank

  Jacksonville +16 more

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Business acquisition loans
  • Commercial real estate loans
  • +17 more
  See this bank
• Mortgage broker

  First Florida Financial, INC.

  Jacksonville +2 more NMLS 2057475

  • Asset depletion loans
  • Bank statement loans
  • Rate buydown mortgages
  • Cash out refinance
  • +18 more
  See this broker
• Bank

  Florida Capital Bank, National Association

  Jacksonville +3 more

  • Adjustable rate mortgages (ARM)
  • Bridge loans
  • Business acquisition loans
  • Rate buydown mortgages
  • +14 more
  See this bank
• Mortgage broker

  Flvmc LLC

  Jacksonville +11 more NMLS 1299512

  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • Conventional mortgages
  • Mortgages after bankruptcy or foreclosure
  • +15 more
  See this broker
• Mortgage broker

  Galaxi Financial LLC

  Jacksonville NMLS 2620824

  • Down payment assistance programs
  • FHA loans
  • First time home buyer loans and programs
  • Jumbo loans
  • +4 more
  See this broker
• Bank

  Hancock Whitney Bank

  Jacksonville +27 more

  • Asset depletion loans
  • Business acquisition loans
  • Commercial real estate loans
  • Construction loans
  • +9 more
  See this bank
• JHMortgage lender

  Jet Homeloans, LP

  Jacksonville +1 more NMLS 1660135

  • Adjustable rate mortgages (ARM)
  • Asset depletion loans
  • Blanket and portfolio loans
  • Rate buydown mortgages
  • +15 more
  See this lender
• Credit union

  Jm Associates

  Jacksonville +1 more

  • FHA loans
  • First time home buyer loans and programs
  • HELOCs
  • Jumbo loans
  • +4 more
  See this credit union
• Bank

  JPMorgan Chase Bank, National Association

  Jacksonville +154 more

  • Adjustable rate mortgages (ARM)
  • FHA loans
  • First time home buyer loans and programs
  • Refinance
  • +4 more
  See this bank
• Mortgage lender

  Lennar Mortgage, LLC

  Jacksonville +9 more NMLS 1058

  • Adjustable rate mortgages (ARM)
  • Conventional mortgages
  • Down payment assistance programs
  • FHA loans
  • +5 more
  See this lender
• NMMortgage broker

  Nexa Mortgage, LLC

  Jacksonville +38 more NMLS 1921833

  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • FHA loans
  • First time home buyer loans and programs
  • +8 more
  See this broker
• Mortgage broker

  North Star Mortgage Network INC.

  Jacksonville NMLS 356789

  • Asset depletion loans
  • Bank statement loans
  • Rate buydown mortgages
  • Cash out refinance
  • +24 more
  See this broker
• NMMortgage broker

  Nuview Mortgage, LLC

  Jacksonville NMLS 1876725

  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • Construction loans
  • Conventional mortgages
  • +13 more
  See this broker
• Mortgage broker

  Oak Street Financial, INC.

  Jacksonville NMLS 327643

  • Adjustable rate mortgages (ARM)
  • Conventional mortgages
  • FHA loans
  • First time home buyer loans and programs
  • +3 more
  See this broker
• Mortgage broker

  Parco Finance LLC

  Jacksonville NMLS 390839

  • Conventional mortgages
  • DSCR loans
  • FHA loans
  • First time home buyer loans and programs
  • +8 more
  See this broker
• Mortgage lender

  Plaza Home Mortgage, INC.

  Jacksonville +1 more NMLS 2701874

  • DSCR loans
  • FHA loans
  • Jumbo loans
  • Non QM loans
  • +5 more
  See this lender
• Mortgage broker

  Real-Tyme Investment Realty LLC

  Jacksonville NMLS 2114625

  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • FHA loans
  • FHA streamline refinance
  • +14 more
  See this broker
• Bank

  Renasant Bank

  Jacksonville +18 more

  • Adjustable rate mortgages (ARM)
  • Asset depletion loans
  • Conventional mortgages
  • Down payment assistance programs
  • +7 more
  See this bank
• Mortgage broker

  Royal Mortgage LLC

  Jacksonville +1 more NMLS 2059962

  • Asset depletion loans
  • Cash out refinance
  • Condo mortgages
  • Construction loans
  • +18 more
  See this broker
• Mortgage broker

  Sawgrass Mortgage Corporation

  Jacksonville NMLS 1959181

  • Cash out refinance
  • Construction loans
  • FHA loans
  • First time home buyer loans and programs
  • +6 more
  See this broker
• SNBank

  Seacoast National Bank

  Jacksonville +70 more

  • Adjustable rate mortgages (ARM)
  • Asset depletion loans
  • Business acquisition loans
  • Commercial real estate loans
  • +15 more
  See this bank
• SMMortgage lender

  Sharp Mortgages, INC.

  Jacksonville NMLS 155163

  • Adjustable rate mortgages (ARM)
  • Bank statement loans
  • Cash out refinance
  • Conventional mortgages
  • +16 more
  See this lender
• Bank

  TD Bank, National Association

  Jacksonville +99 more

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Asset depletion loans
  • Construction loans
  • +11 more
  See this bank
• CBBank

  The Claxton Bank

  Jacksonville

  • Bridge loans
  • Commercial real estate loans
  • FHA loans
  • HELOCs
  • +6 more
  See this bank
• Bank

  Truist Bank

  Jacksonville +194 more

  • Cash out refinance
  • Commercial real estate loans
  • Construction loans
  • FHA loans
  • +7 more
  See this bank
• Mortgage broker

  Trustline Mortgage, INC.

  Jacksonville NMLS 331480

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • Construction loans
  • +6 more
  See this broker
• Mortgage broker

  United Mortgage Group, INC.

  Jacksonville +5 more NMLS 1299516

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • DSCR loans
  • +8 more
  See this broker
• Bank

  Valley National Bank

  Jacksonville +33 more

  • First time home buyer loans and programs
  • Refinance
  See this bank
• Mortgage lender

  Planet Home Lending, LLC

  Jacksonville +4 more NMLS 2265768

  • Florida Housing and Hometown Heroes loans
  See this lender
• Mortgage lender

  Union Home Mortgage CORP.

  Jacksonville +12 more NMLS 1517729

  • Florida Housing and Hometown Heroes loans
  See this lender

• All home loans in Jacksonville159 firms, every loan type

Duval County at a glance

As of October 15, 2026Sources: FFIEC HMDA 2025 loan-level data for Duval County, FL; FHFA 2026 conforming loan limits; HUD 2026 FHA mortgage limits. Look up any county.

Questions people ask

Which loans count as no or low down payment home loans?

This page gathers VA loans, USDA loans, down payment assistance programs, florida housing and hometown heroes loans, first time home buyer loans and programs. A firm appears if its own website lists at least one of them. Each loan also has its own Jacksonville page with only the firms that list it.