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Mortgages by Linda Mortgages by Linda
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Business Details
22 Years
experience
Your Trusted Mortgage Broker in Jacksonville, FL
Led by Linda Garcia, a seasoned Mortgage Loan Originator with decades of experience and over $100 million in closed loan volume in recent years, our team is known for its precision, responsiveness, and commitment to client success. Lindas approach is hands-on and strategic, providing guidance tailored to each borrowers unique financial situation. Through years of experience in the mortgage industry, Linda and her team have streamlined the loan process, achieving some of the fastest turnaround times in the industry. Her reputation is built on consistent results, exceptional service, and the trust she has earned throughout the communities she proudly serves.
Services
Conventional Loans FHA Loans VA Loans USDA Loans Professional Mortgages HELOC Hometown Heroes Program Refinance Options Down Payment Assistance Investment Property Loans
Served areas
  • Florida
  • Alabama
Details
  • Year established: 2004
  • Licensed
Highlights and features
  • We offer 15-minute pre-approvals with 24-hour underwriting decisions
  • Our team maintains affiliations with 15+ wholesale lenders for maximum options
  • We provide personalized one-on-one service from experienced loan originators
  • Our competitive pricing includes no application fees for any mortgage products
  • We specialize in navigating complex loan scenarios with creative solutions
What people say
Exceptional experience Supportive and helpful Smooth closing process Dedicated professional service Competitive interest rates
Website
Services
Conventional Loans
Conventional loans offer flexible down payment options starting at 5% with competitive rates for qualified borrowers. These non-government-backed mortgages provide private mortgage insurance options for those with less than 20% down payment. Our team specializes in navigating conventional loan requirements to secure optimal terms for primary residences, investment properties, and second homes.
FHA Loans
FHA-insured loans provide accessible homeownership opportunities with 3.5% down payments and lenient credit requirements. We guide clients through the FHA loan process, including upfront mortgage insurance premiums and lifetime monthly insurance components. Our expertise ensures compliance with federal regulations while maximizing benefits for first-time homebuyers.
VA Loans
VA-guaranteed loans offer zero-down payment options for eligible military personnel and veterans. Our specialists handle the unique documentation requirements and certification processes for these government-backed mortgages. We maintain current knowledge of VA loan limits and occupancy requirements to serve our military community effectively.
USDA Loans
USDA Rural Development loans provide 100% financing for qualified buyers in designated rural areas. Our team verifies eligibility based on income requirements and property location while managing the specialized application process. We help clients understand the unique features of these government-supported mortgage programs.
HELOC
Home Equity Lines of Credit offer flexible financing using home equity as collateral. Our advisors assess clients' financial profiles to determine eligibility based on credit scores, debt-to-income ratios, and available equity. We explain variable rate structures tied to prime rates while ensuring responsible borrowing practices.
People
Linda Garcia
President and Senior Loan Originator
Linda Garcia, FL NMLS #387192, leads Mortgages By Linda with over two decades of mortgage industry experience. She specializes in personalized loan solutions and has earned multiple awards for her client-focused approach. Her expertise spans conventional, FHA, VA, and USDA loan programs.
Nick Garcia
Mortgage Loan Originator
Nick Garcia brings marketing expertise and mortgage lending knowledge to the team. Licensed with NMLS, he combines digital innovation with traditional mortgage services. His background in advertising enhances client communication and loan process transparency.
Jessica Huffman
Loan Team Coordinator
Jessica Huffman manages client communications and loan coordination. With a focus on organizational excellence, she ensures smooth transaction processes. Her background in digital marketing enhances client engagement and online mortgage education initiatives.
Questions
What mortgage loan programs do you offer?
We offer conventional, FHA, VA, USDA, HELOC, and professional mortgage programs with financing options up to 100% for qualified borrowers.
How quickly can I get pre-approved?
Our streamlined process delivers pre-approvals within 15 minutes and underwriting decisions within 24 hours of application.
Are there any application fees?
We never charge application fees for any mortgage products, making our services accessible to all potential homebuyers.
What areas do you serve?
We provide mortgage services throughout Florida, Georgia, Alabama, and Texas with local market expertise in key metropolitan areas.
Can you help with complex loan scenarios?
Our team specializes in resolving challenging mortgage situations, including investment property financing and credit score challenges.
Videos
Reviews (21)
Amie Colon
Apr 11, 2025 Report
I cant speak highly enough of Linda and her team. Our experience from the beginning was fantastic. They work fast and efficient to get things done while staying in touch to keep us updated with everything going on. I wouldnt highly recommend using Linda. She herself was amazing to work with.
Joe Richmond
Jan 02, 2025 Report
We had a tough time trying to get our house renovated. Lynda was there to help us along. Making the whole process easy. If you need the help. She is the one to call
Ken Fisher
Jan 01, 2025 Report
WOW... reach out to Linda now! I was referred to Linda by the title company I work with. A tenant of mine was wanting to purchase the home, and it was challenging for him to find a lender who would work with him. We reached out to Linda, and from the first hello, I knew we had contacted the right person. Linda and her team have worked patiently and thoroughly with my tenant to help him obtain his mortgage, and she has communicated with me in an outstanding manner to keep me informed during the process. I find it rare these days to find someone so committed and sincere; I can't recommend her enough... contact her now for your mortgage needs!!
Min Roy H. Smith Jr
Sep 28, 2024 Report
Hi Linda we are still rejoicing over your help getting us financed we tell people about you when they talk about buying a home. Praying much success for you and your team. Thank you for being there. Roy and Bertha Smith
Dakota Kalis
Jun 27, 2024 Report
Linda is a fantastic lender. If you want to secure a good deal, she will make it happen. I got the deal I want. The process was smooth, and I'm very happy with the deal I closed. Thank you so much, Linda. I'll definitely use this lender again in the future.
Charles Williams Iii
Oct 09, 2023 Report
Linda & Her Team Was Simply Amazing. As A Realtor Partner I am simply blown away by their work ethic & professionalism throughout the whole process! Job Well Done by #TeamMBL I Will be using you all again
Dbb Brand
Mar 25, 2023 Report
Linda is always willing and ready to help assist my clients whenever I need her. Shes literally like a miracle worker when it comes to getting an approval in a short period of time.
K. B.
Feb 27, 2023 Report
I feel like Linda and the team went above and beyond for me, but I think that this is part of their everyday work ethic. They are the best in the business and put the customer's needs first. I am beyond grateful to Mortgages By Linda for working so hard to make my dream a reality. Thank you!
Shane Dankworth
Feb 26, 2023 Report
I can't say enough about Linda and her entire team! Unlike other brokers, she took the time to genuinely listen to my unique situation, then quickly found a creative refi solution to make it work when others couldn't...and approved in 7 days no less! Linda was extremely knowledgeable, innovative, and above all else she shows a personal dedication to her clients. She is the only mortgage broker I will trust with any of my future home loan needs!

The entire MBL team went above and beyond, and I can honestly say this has been the smoothest, most efficient and worry-free loan experience that I have ever had. Thanks again MBL...you made a difficult situation easy!
Latoyia Laneair
Feb 02, 2023 Report
Thank you so much for your help with the refinancing of my home. Linda and her team made the process simple and easy to understand for me, and I appreciated their patience and expertise. Linda and her team's insight was extremely valuable to me and I don't think I could have done this without them!
Allison Costakis
Jan 11, 2023 Report
I found Mortgages by Linda online, read the reviews and figured I would give it a go even though I have never used them before. They will now be helping me with every mortgage I ever get in the future!! All the great reviews they have stand true and I experienced it first hand. We had a hurdle with the appraiser and her team helped make sure everything was handled quickly and even joined us at the closing for support.
Kart Vaith
Nov 30, 2021 Report
Professional and responsive. Helped close the loan in record time after receiving my docs. Excellent communications all the way!!
Not Titled
Oct 04, 2021 Report
If you are looking for a professional, committed, and hard working mortgage team Mortgages by Linda is the team for you. I cant not say enough how great Linda and her team were at making my home dream a reality. They were there with me from beginning to end. We ran into a problem at closing and Linda never gave up on us. And thank God her knowledge and persistence open the door to Gods blessing. Thank you to Linda and her team and thank God for you.
Ronald Howell
Feb 26, 2021 Report
We couldn't be happier with how we were treated and worked with by Linda, Alicia and Team from start to finish. Everyone involved were extremely helpful and responsive and very pro-active on communicating with us with our Home refinance and we got a GREAT rate and the process only took a few weeks. Thank you TEAM!
Jimena Castro
Jan 23, 2021 Report
Linda was fantastic helping us through a long complex purchase. We were thankful that she brought us peace through her professional approach to the process. Linda looked out for our best interest. Thanks Linda.
Francine Simplice
Dec 22, 2019 Report
I am im tears because I had such a great team by my side. Linda is a saint and even my crying yelling and sorrow didnt steer her away from getting my loan approved. I've never dealth with a business that cared so much for my well being. I will surely do business with her in the future and I will recommend her to everyone looking to find a perfect person to help them get a home loan. God bless her and her team I am so happy to get into my first home. What a great Christmas present...I closed on christmas eve!
Tina Lay
Sep 15, 2019 Report
I recently closed on my new home with the help of Mortgages by Linda. The process in applying and receiving approval was honestly the least stressful part of my real estate transaction. If I ever find myself in need of a mortgage, I know where to go. I highly recommend Linda & team. Everyone I interacted with was super responsive, great communicators and overall easy to work with. I highly recommend.
Sam Manning
Apr 04, 2019 Report
Linda is well-informed and experienced. She meets buyers at their level and provides guidance along the way. She made a very stressful process bearable. Her Team works promptly and diligently to ensure the buying process runs smoothly. Thank you, Linda and Team
Martine Desra
Aug 25, 2018 Report
It was a great experience working with Linda and her team
My family was struggled ,stressful with another company for 2 months .she take over the case she was able to get everything done within 15 days it was magical we didnt expect that but she did it .. she so professional and nice personality .. In February 1 2019 was a miracle day for me and my husband I will never forget you Linda every time I remember that day. Thank you Linda for everything you did for us we really appreciated. God bless you
Amy Hudson
Mar 11, 2018 Report
Dealing with Mortgages with Linda was one of the best experiences ever!! We got our dream home because of her! Staff is out of this world and they make you feel important to them!! I've referred them to everyone I know buying a house!!
Phil Pledger
Nov 20, 2015 Report
We highly recommend Linda Garcia of Mortgages By Linda for all of your mortgage needs. Not only were her interest rates the lowest available, but she walked us through the process step by step to make sure we knew exactly what was going on and understood the terms of the loan from start to finish. Linda and her team go above and beyond for their clients. They are very knowledgeable and have the experience to find the best loan options for you. Thank you Linda!