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Now Lending in Jacksonville

Jacksonville home loans —
Florida's First Coast.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Jacksonville and Duval County. From historic homes in Riverside and Avondale to beachside living in Jacksonville Beach, we bring local guidance to the First Coast — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.

First Coast
Duval County Coverage
14 days*
Close In As Little As
$832,750
2026 Duval County Conforming Limit
5.0 ★
Google Review Rating
Jacksonville Markets

Local lending across
every Jacksonville neighborhood.

Jacksonville Neighborhoods

Historic riverfront districts, beach towns, and growing southside suburbs.

  • Riverside & Avondale
  • San Marco & San Jose
  • Jacksonville & Atlantic Beach
  • Mandarin & the Southside
River City by the Sea

A logistics, banking, and military hub with miles of river and ocean.

  • VA loans near NAS Jax & Mayport
  • Beach & riverfront financing
  • Duval County coverage
  • Minutes to JAX & the St. Johns
Every Kind of Jacksonville Buyer

From first homes to move-up, beach, and investor purchases.

  • First-time & move-up buyers
  • VA & FHA financing
  • New construction & townhomes
  • Investment & rental properties (DSCR)
RiversideAvondaleSan MarcoJacksonville BeachAtlantic BeachMandarinOrtegaSpringfieldSouthside
Loan Programs in Jacksonville

Financing for every
kind of Jacksonville buyer.

FAQ

Jacksonville mortgage
questions answered.

We serve homebuyers and homeowners throughout Jacksonville and Duval County, including Riverside, Avondale, San Marco, Jacksonville Beach, Atlantic Beach, and Mandarin, plus the wider First Coast.
The 2026 conforming loan limit is $832,750 in Duval County, including Jacksonville. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's higher-priced homes.
Jacksonville borrowers have access to FHA, VA, conventional, jumbo, Non-QM, DSCR, commercial, private money, and second mortgage / HELOC financing — for primary residences, second homes, and investment properties.

Ready to start your Jacksonville home journey?

Get pre-approved today — no cost, no obligation. Jacksonville borrowers, let's get you to the closing table.