Business Details
28 Years
experience
Your Trusted Mortgage Broker in Jacksonville, FL
Since 1998, CCS Home Loans has been dedicated to transforming mortgage lending through transparency and innovation. Our A+ Better Business Bureau rating reflects our commitment to client satisfaction, with over 20,000 clients served and $478.33 average monthly savings delivered. We streamline the mortgage process by connecting borrowers with multiple lenders, ensuring competitive rates without compromising accountability. Our team's expertise in conventional, FHA, VA, and jumbo loans, combined with real-time loan analysis technology, empowers clients to make informed decisions.With 15 years of industry experience and 5,000+ successfully closed loans, we maintain rigorous compliance standards through our Florida Office of Financial Regulations license (MBR# 1434) and National Mortgage Licensing System #1070755. Our proprietary True Cost Benefit Analysis ensures every client receives tailored financial solutions that align with both short-term needs and long-term goals.
Services
Conventional Loans
FHA Loans
VA Loans
Jumbo Loans
Refinance Options
Details
- Year established: 1998
Highlights and features
- We've maintained an A+ Better Business Bureau rating since 1998
- Our proprietary loan comparison system analyzes multiple lender offers instantly
- Specialists in conventional, FHA, VA, and jumbo mortgage products
- Average client savings of $478 monthly and $63,592 in total loan savings
- Licensed through Florida Office of Financial Regulations (MBR# 1434)
Associations and certifications
- Better Business Bureau
What people say
Saved thousands in interest
Best mortgage rates
Professional and considerate
Fast underwriting process
True cost analysis
Services
Conventional Loans
Conventional mortgage loans meet Fannie Mae/Freddie Mac guidelines, ideal for borrowers with 620+ credit scores and stable income. These loans offer competitive rates with potential for 80% LTV without mortgage insurance. Our system analyzes multiple lender offers to find optimal terms.
FHA Loans
FHA-insured loans require lower down payments (as low as 3.5%) and accommodate credit scores below 620. We handle the upfront and ongoing mortgage insurance requirements while securing favorable interest rates through our lender network for purchase or refinance needs.
VA Loans
VA-guaranteed loans offer 100% financing with no mortgage insurance for qualified veterans. Our specialists navigate the VA funding fee structure and eligibility requirements to maximize benefits for active duty and retired military personnel.
Jumbo Loans
Jumbo loans exceed standard conforming limits ($417,000+), requiring specialized underwriting. We access premium lender programs for high-value properties, maintaining competitive rates despite increased risk profiles for creditworthy borrowers with 700+ scores.
Refinance Options
Our refinance solutions reduce monthly payments or loan terms through rate-and-term adjustments. Using real-time market data, we analyze cash-out options, debt consolidation potential, and break-even points to determine optimal refinancing timelines.
Questions
How does CCS Home Loans find better mortgage rates?
We partner with multiple lenders to provide competitive offers, using real-time analysis to compare rates and terms for your specific financial situation.
What makes CCS different from LendingTree?
Unlike LendingTree, we actively negotiate with multiple lenders while maintaining a single point of contact, preventing multiple credit pulls and sales calls.
What mortgage loan types do you offer?
We provide conventional, FHA, VA, jumbo, and non-qualified mortgage loans with options for purchase, refinance, and debt consolidation.
Are you Better Business Bureau accredited?
Yes, we maintain an A+ BBB rating with no formal complaints filed in our 15-year history.
How quickly can you process a mortgage loan?
Our automated system enables typical loan closings within 3 weeks from application, with real-time status updates throughout the process.
