Welcome to The Herd Lending, your dedicated local mortgage expert in Jacksonville, Florida. We understand that finding the perfect home in Jacksonville—with its vibrant culture, beautiful riverfront, and diverse neighborhoods—is an exciting journey. As a trusted mortgage lender in Jacksonville, FL, our mission is to make the financing part of that journey as smooth and straightforward as possible. Whether you’re a first-time homebuyer, a military family, or looking to refinance, we provide personalized service and a wide range of loan options to meet your unique needs.
Navigating the mortgage process can feel overwhelming, but with the right partner, it doesn’t have to be. We are deeply committed to serving the Jacksonville community. Our team of experienced local loan officers knows the Jacksonville and Duval County real estate market inside and out. We understand the specific challenges and opportunities that come with buying a home here, from the historic homes of Riverside to the new developments in Nocatee. This local expertise allows us to provide tailored advice and efficient service that a national bank simply can’t match.
Our approach is built on transparency, communication, and a genuine desire to help you succeed. We take the time to listen to your goals, answer your questions, and explain every step of the process. Our goal isn’t just to get your loan approved—it’s to help you feel confident and in control of your financial future.
Discover a range of mortgage solutions designed to help you purchase your dream home. We’ll work with you to find the perfect fit for your needs and budget.
Maximize your savings with our industry-leading refinance rates and minimal fees. Explore our competitive rates and begin your application now.
Maximize your savings with our industry-leading refinance rates and minimal fees. Explore our competitive rates and begin your application now.
Whether you’re on the exciting journey of buying a new home, selling your current one, refinancing, or even building your dream haven, your mortgage journey is a significant part of your family’s story. Trusting the right loan specialist becomes crucial in these moments, especially considering the ever-changing market conditions and mortgage landscapes.
As a devoted professional, my mission is to guide you and your family through the mortgage process with care and expertise. I understand the importance of making choices that align with your family’s needs and aspirations. For a more personalized experience and expert advice, I’m just a phone call, text, or email away, ready to assist your family on this exciting journey.
We offer a comprehensive suite of home loan solutions designed to fit every type of buyer in Jacksonville. Our diverse product offerings ensure you have access to the best options available.
We are proud to serve the military community in Jacksonville, home to Naval Air Station Jacksonville (NAS Jax) and Naval Station Mayport. Our team specializes in VA loans, providing expert guidance to veterans, active-duty service members, and eligible surviving spouses. With benefits like no down payment and no private mortgage insurance (PMI), a VA loan is one of the most powerful tools for military families. We’ll help you navigate the Certificate of Eligibility (COE) and the entire process to get you into your dream home.
For first-time homebuyers or those with less-than-perfect credit, an FHA loan is an excellent option. Backed by the Federal Housing Administration, these loans offer a low down payment and more flexible credit requirements, making homeownership more accessible. We’ll walk you through the FHA guidelines and help you secure the financing you need.
If you have strong credit and a stable financial history, a conventional loan may be the ideal choice. We offer competitive rates and a streamlined process for a variety of conventional loan types, including fixed-rate and adjustable-rate mortgages. Whether you’re purchasing a single-family home, a condo, or a townhouse in Jacksonville, we can help you find the right conventional loan for your situation.
In addition to helping you buy a new home, we also specialize in mortgage refinancing in Jacksonville, FL. Refinancing your existing mortgage can be a smart financial move, and we’re here to help you determine if it’s the right choice for you.
Lower Your Interest Rate: By refinancing, you might be able to secure a lower interest rate, which could significantly reduce your monthly payments and save you thousands of dollars over the life of your loan.
Cash-Out Refinance: Use the equity in your home to get cash for a major renovation, debt consolidation, or other financial needs. A cash-out refinance allows you to access your home’s value while securing a new mortgage.
Change Loan Terms: Whether you want to switch from an adjustable-rate to a fixed-rate mortgage or shorten your loan term to pay off your home faster, we can help you find a refinance solution that fits your long-term goals.
At The Herd Lending, we believe that every client deserves a personalized and transparent mortgage experience. We pride ourselves on building lasting relationships with our clients throughout Jacksonville, Duval County, and the surrounding areas. Our local team is ready to provide you with the professional guidance and support you need to make your homeownership dreams a reality.
Ready to get started? Our simple pre-approval process is the first step toward securing your new home. Let us show you why we are the trusted mortgage lender for the Jacksonville community.