Business Details
Your Trusted Mortgage Partner in Jacksonville, FL
At First Down Mortgage, we pride ourselves on being a local, trusted partner in the home financing process. Our team brings decades of combined experience from the corporate banking world, allowing us to create a client-focused lending process that prioritizes your needs. We specialize in brokering residential purchases and refinances while offering expert guidance through every step of your mortgage journey. Our personalized approach ensures you work directly with our dedicated team throughout the entire process, eliminating the frustration of rotating contacts or impersonal 1-800 numbers. With access to more than a dozen lenders, we provide unmatched flexibility to navigate challenging scenarios and secure optimal approval outcomes. Our commitment to transparency means we proactively address potential issues while maintaining clear communication through your preferred channelswhether email, text, phone, or in-person meetings.We operate with speed and efficiency, avoiding the bureaucratic delays common at traditional banks, and maintain deep expertise in specialized loan programs including FHA, VA, jumbo loans, and non-QM financing. As industry veterans with 10-20 years of experience each, we've built a sustainable business model that ensures continuity for our clients even during economic downturns. Our electronic and non-electronic service options accommodate modern convenience while maintaining traditional accessibility, and our local market knowledge in Florida and Georgia positions us to serve both primary residences and investment properties including Air BnB cash flow loans.
Services
Residential Mortgages
Refinance Loans
FHA Loans
VA Loans
Jumbo Loans
Investment Property Loans
Down Payment Assistance
Non-QM Loans
Home Equity Lines
Rehab Loans
Highlights and features
- We offer personalized mortgage solutions tailored to your specific needs
- Our team has 10-20 years of combined mortgage industry experience
- We provide access to multiple lenders for optimal loan approval options
- We maintain transparent communication throughout the entire process
- We offer flexible communication through email, text, phone, or in-person meetings
Associations and certifications
- NMLS
Services
Residential Mortgages
We specialize in residential mortgage loans for primary homes, secondary homes, and investment properties. Our services include conventional loans, FHA loans, VA loans, and USDA loans. With access to multiple lenders, we help clients find competitive rates and terms that match their financial situation while providing personalized guidance through the entire mortgage process.
Refinance Loans
Our refinance loan services help homeowners reduce monthly payments, shorten loan terms, or access home equity. We offer conventional refinancing, cash-out refinancing, and streamline refinance options. With our lender network, we identify the best refinance solutions while maintaining transparent communication about approval requirements and potential challenges throughout the process.
Jumbo Loans
We provide jumbo loan options for high-value properties exceeding standard conforming loan limits. Our services include tailored underwriting guidance, competitive rate comparisons across multiple lenders, and specialized documentation support. We help clients navigate the unique requirements of jumbo financing while maintaining clear communication about approval criteria and risk factors associated with these larger loan amounts.
Non-QM Loans
Our non-QM loan program serves borrowers with unique financial situations who don't qualify for traditional mortgages. This includes bank statement loans, asset-based loans, and alternative documentation options. We work with specialized lenders to create customized solutions while providing transparent guidance about eligibility requirements, documentation needs, and potential challenges during the underwriting process.
Down Payment Assistance
We offer down payment assistance programs for first-time homebuyers and qualified applicants. Our services include FL Hometown Hero Program guidance, conventional down payment options, and specialized loan programs with reduced down payment requirements. We provide clear explanations about eligibility criteria, application processes, and how these programs can help achieve homeownership goals while maintaining transparent communication about associated terms and conditions.
People
Alex Testa
Mortgage Professional
With over 15 years in mortgage banking, Alex brings extensive experience in residential lending and client-focused service to First Down Mortgage.
Matt Keeler
Mortgage Professional
Matt contributes 12 years of mortgage industry expertise, specializing in loan origination and personalized financing solutions for homebuyers.
Stan Williams
Mortgage Professional
Bringing 18 years of mortgage banking experience, Stan focuses on creating tailored loan solutions for both first-time and repeat homebuyers.
Chad Hauseman
Mortgage Professional
Chad offers 14 years of mortgage lending experience, specializing in navigating complex loan scenarios and finding optimal financing options.
Whitney Loggins
Mortgage Professional
With a decade in the mortgage industry, Whitney provides expert guidance through the loan process while maintaining clear client communication.
Questions
What mortgage loan options do you offer?
We offer conventional loans, FHA loans, VA loans, jumbo loans, USDA loans, non-QM loans, and down payment assistance programs including the FL Hometown Hero Program.
Do you work with first-time homebuyers?
Yes, we specialize in helping first-time homebuyers through down payment assistance programs, FHA loans, and personalized guidance throughout the mortgage process.
How does your mortgage application process work?
Our process begins with a consultation to understand your financial situation, followed by pre-approval, loan selection, and personalized guidance through closing with transparent communication.
Can you help with investment property financing?
Yes, we offer financing options for investment properties including Air BnB cash flow loans and provide specialized guidance for investor portfolios.
What makes you different from traditional banks?
We offer personalized service with direct team communication, faster processing, multiple lender options, and specialized expertise in complex loan scenarios compared to traditional banks.
Do you offer refinancing options?
Yes, we provide conventional refinancing, cash-out refinancing, and streamline refinance options to help reduce payments, shorten loan terms, or access home equity.
