A phone conversation with your dedicated Loan Officer is simple and fast. After discussing your purchasing goals and financial situation, we can provide guidance on the loan options that are best suited for you. We can then issue a pre-approval and loan estimate of costs for you to confidently utilize as you are shopping for your home.
A mortgage refinance can be beneficial in a variety of ways that may not be obvious to an average homeowner. Should I buy a house? That is the question that often comes up as renters approach the end of their lease term. You may find yourself anxious over the decision of renting again or jumping in as a first-time homebuyer.
A mortgage refinance can be beneficial in a variety of ways that may not be obvious to an average homeowner. Should I buy a house? That is the question that often comes up as renters approach the end of their lease term. You may find yourself anxious over the decision of renting again or jumping in as a first-time homebuyer.
Services
First Down Mortgage, LLC - NMLS 1920842 is a registered and licensed mortgage brokerage firm located in Jacksonville, FL. We offer services such as brokering residential purchases and refinances, as well as providing related mortgage loan guidance. We are a client centric brokerage firm focused on the satisfaction of our clients and process efficiency.
We are searching for an experienced and detail-oriented loan originator that has a passion for helping people and possess the ability to understand and navigate complex financial requirements. To succeed in this role, you should demonstrate excellent communication and interpersonal skills. Meet with prospective loan applications to identify their needs and collect needed information.
Here are answers to some commonly asked questions. If you have questions that aren't listed please visit our contact page and ask us anything! There are many reasons why you should get pre-approved before looking at homes. A pre-approval can help guide you in determining how much you can afford, what costs are associated with buying a home, and the process/timeline for purchasing.
Purchasing a new home can be very stressful, especially for someone who hasn't gone through the process before. Getting a mortgage for this purchase should not be a source of frustration and anxiety during a time when you are excited to make your purchase and begin a new journey. A home purchase is typically one of the largest financial transactions you will make.
With the assistance of your Real Estate Agent and a knowledgeable Loan officer, refinancing your mortgage should be efficient and pleasant. A mortgage refinance can be beneficial in a variety of ways that may not be obvious to an average homeowner. Utilize the equity in your home to consolidate your debts and decrease your overall interest expense on these debts.
Reviews (11)
Ashley Brewer
Dec 15, 2021
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Use them!! Whitney and Chad helped us through our first home buying experience and they made it effortless on our end. They were very responsive from beginning to end and always happy to help. They even reached back out months after closing to help lower our monthly mortgage which is above and beyond. They are definitely a team you can trust and are willing to go that extra mile!
Jake Bestic
Dec 12, 2021
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Chad and Whitney are the best mortgage team in the Jacksonville area - hands down! I've worked with them on several transactions over the past couple years and the experience is always above and beyond my expectations. Awesome rates, quick turn-around times, and incredible customer service. You don't need to be looking anywhere else. Period.
Ken U.
Dec 10, 2021
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I've had many mortgages though out the years and First Coast was the best experience that I've had by far. They provided outstanding and exceptional service from beginning to end and took ownership of the mortgage process and even the closing after the seller's attorney and seller's broker dropped the ball. They also got me the best interest rate of several brokers - far lower than what I was expecting. You don't need to look any further; this is the team you want to secure your loan - 6 stars of out 5!
Danielle Smowton
Dec 08, 2021
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5 stars all the way! I totally recommend Chad and his team for anything to do with lending. They guided us the whole way to make are closing the most efficient possible. They answered all of our questions very well and got us the best rate in all of town! Thank you to Chad and his team and look forward to using you in the future!
Curt Duncan
Nov 04, 2021
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Really great experience with Chad and Whitney at First Down Mortgage. We refinanced the mortgage on our house, they did a great job communicating with us and made the process very easy. They were quick to respond to questions and provide updates during the entire process. We would recommend them as they go above and beyond to provide a great experience.
G.
Oct 30, 2021
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Chad and Whitney helped me with my first mortgage. In my first phone call, Chad walked me through the entire mortgage process to help me understand all the steps and requirements. Chad and Whitney were always available well outside of business hours and were a pleasure to work with. I got a great rate on my mortgage and Chad had the insight to lock my rate just before the rates increased. Whitney was always prompt in answering my emails and clarifying any questions that I had. Chad and Whitney were also very patient in providing me with multiple options on my loan terms. Thank you!
Cody Brooks
Oct 27, 2021
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I was teamed up with Chad and his team at First Down Mortgage through my realtor. Absolutely amazing and some of the friendliest people you could ask for. Buying a home especially for the first time was very nerve racking, every time I’d find one that I liked it would slip through my fingers. They stayed positive and supportive through the whole process. When the right home did become available they were in constant contact via phone and email ensuring the closing process went smoothly. And they were always available to answer any questions that came up. No pressure in signing paperwork if I
Christopher Kellum
Sep 19, 2021
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I had an amazing experience working with my realtor Shanleigh and Chad with First down mortgage . Chad & Whitney went above and beyond with assisting me from the start with getting pre approved and closing on my first home. Chad made himself available at all hours even getting back to me late at night & checking in daily on the process. With this teams help I was able to close and move in my first home in 30 days. As an active military member I feel like Chad and Whitney went above and beyond with their services.
Kaleb Clayville
Aug 29, 2021
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Whitney and Geoff made my first home buying experience extremely painless and in the end, an overall success. I had originally looked around for rates myself, but Geoff and Whitney were able to find me something leagues better than what I had been given. I also have a unique income stream and had been told by others how hard it would be to find a lender. Geoff linked me with a lender in only days. If you are buying in Jacksonville, or anywhere in Florida, you would only be doing yourself a favor to reach out to the team at First Down Mortgage.
Amy Bender Cornett
May 27, 2021
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Mark Burke
Sep 03, 2020
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