North Florida Mortgage is a family-owned mortgage brokerage at 13400 Sutton Park Drive South in Jacksonville, Florida, serving buyers and homeowners across Northeast Florida. As a broker rather than a bank, the firm sends each application to nine wholesale lenders at once and shows the borrower the three best offers side by side, so the rate and fees are competed for rather than set by one institution.
Owner and loan originator Jason Nelson (NMLS 225505) has 25 years in the Jacksonville market and personally runs every file from the first call to the closing table. There is no call center and no handoff to a processing department. The person who quotes the loan is the person who closes it.
Loan programs include FHA, VA, USDA, conventional, jumbo, bank statement loans for self-employed borrowers, and refinancing. The website publishes a weekly Freddie Mac rate table and a no-application affordability estimate at nflmortgage.com/qualify.
Nelcor Inc. DBA North Florida Mortgage. Company NMLS 378379. Licensed in Florida. Equal Housing Lender. Call (904) 389-4635.
Owner and loan originator Jason Nelson (NMLS 225505) has 25 years in the Jacksonville market and personally runs every file from the first call to the closing table. There is no call center and no handoff to a processing department. The person who quotes the loan is the person who closes it.
Loan programs include FHA, VA, USDA, conventional, jumbo, bank statement loans for self-employed borrowers, and refinancing. The website publishes a weekly Freddie Mac rate table and a no-application affordability estimate at nflmortgage.com/qualify.
Nelcor Inc. DBA North Florida Mortgage. Company NMLS 378379. Licensed in Florida. Equal Housing Lender. Call (904) 389-4635.
Served areas
- Jacksonville, Duval County, Orange Park, Fleming Island, Clay County, St. Augustine, Ponte Vedra, Nocatee, St. Johns County, Fernandina Beach, Amelia Island, Yulee, Nassau County
Details
- Year established: 2001
- Employees: 3
- Licensed
- Insured
Highlights and features
- Nine wholesale lenders compete on every file
- You see the three best offers side by side
- Jason Nelson runs your loan from first call to closing
- No call center, no handoffs
- FHA, VA, USDA, conventional, jumbo and bank statement loans
- Purchase and refinance
- Family-owned, 25 years in Northeast Florida
Associations and certifications
- Company NMLS 378379 (Nelcor Inc. DBA North Florida Mortgage)
- Jason Nelson, Mortgage Loan Originator, NMLS 225505
- Licensed in Florida
- Equal Housing Lender
Payment methods
- Cash, Checks, Debit cards, Bank transfers, Financing available
Services
FHA home loans for Jacksonville and Duval County buyers, including first-time buyers and credit-flexible files. Jason compares FHA against conventional options for your numbers before you choose. 
VA home loans for veterans, active-duty service members and qualifying spouses in Jacksonville. Jason checks your eligibility and shops the file across wholesale lenders. 
Fannie Mae and Freddie Mac conventional mortgages for Jacksonville and Duval County buyers, shopped across nine wholesale lenders so you see the best three offers. 
Mortgages above the conforming loan limit for Northeast Florida buyers, common in Ponte Vedra Beach, Sawgrass and oceanfront homes. 
USDA home loans for eligible areas near Jacksonville, including Middleburg, Keystone Heights, Green Cove Springs, Callahan and Yulee. Eligibility depends on the exact address, and Jason checks it for you. 
Mortgages for self-employed and 1099 borrowers that qualify on your bank deposits instead of your tax returns. 
Rate-and-term, cash-out, FHA streamline and VA IRRRL refinances for Jacksonville homeowners. Nine wholesale lenders compete on your file, and Jason tells you straight if a refinance pays for itself. 
Home loans for Orange Park, Fleming Island, Middleburg, Green Cove Springs and the rest of Clay County. FHA, VA, USDA and conventional from a local broker. 
Local mortgage broker for St. Johns County, Ponte Vedra Beach, Nocatee, St. Augustine and Vilano. Conventional, jumbo, VA and FHA loans, including homes with CDD fees. People
Jason Nelson
Owner and Mortgage Loan Originator, NMLS 225505
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Reviews (1)
Ben McDonald
Sep 25, 2026
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