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Emergency Mortgage Brokers in Jacksonville, FL — Available 24/7
When you can't wait, these mortgage brokers in Jacksonville offer emergency response. Call now — most respond within the hour.
As of July 2026, RatingsNearMe ranks 16 mortgage brokers in Jacksonville, FL by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is First Coast Mortgage Funding with a 5.0-star rating from 439 Google reviews and an RNM Score of 88/100. Also in the top tier: First Down Mortgage and North Star Mortgage Network Inc.. The average rating across all listed mortgage brokers in Jacksonville is 5 stars from 183 reviews per business on average.
Mortgage brokers in Jacksonville: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Florida Mortgage Corp
Florida Mortgage Corp consistently earns top rankings for its competitive rates, local expertise, and personalized service.
Most Reviewed
Lennar Mortgage, LLC Jacksonville
A high review count reflects broad customer experience, helping consumers gauge consistency and reliability across many transactions.
Compare rates, fees, and closing timelines from multiple brokers, and prioritize lenders with strong local knowledge and transparent online reviews to ensure a smooth mortgage process.
Local Market Snapshot
16
Businesses listed
5★
Avg rating
183
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Jacksonville's top-rated mortgage broker with a perfect 5.0★ from 439 reviews.
11363 San Jose Blvd Building 200, Jacksonville, FL 32223, USAJacksonville's top-rated mortgage broker with a flawless 5.0★ from over 350 reviews.
820 A1A N suite w-4, Ponte Vedra Beach, FL 32082, USAJacksonville mortgage broker with a perfect 5.0★ rating from 324 Google reviews.
12058 San Jose Blvd Unit 404, Jacksonville, FL 32223, USAMortgage Brokers Rankings in Jacksonville, FL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | First Coast Mortgage Funding11363 San Jose Blvd Building 200, Jacksonville, FL 32223, USA | 5.0★ | 439 |
| #2 | First Down Mortgage820 A1A N suite w-4, Ponte Vedra Beach, FL 32082, USA | 5.0★ | 354 |
| #3 | North Star Mortgage Network Inc.12058 San Jose Blvd Unit 404, Jacksonville, FL 32223, USA | 5.0★ | 324 |
| #4 | Guild Mortgage Company9428 Baymeadows Rd STE 502, Jacksonville, FL 32256, USA | 4.9★ | 385 |
| #5 | Florida Mortgage Corp6817 Southpoint Pkwy #1002, Jacksonville, FL 32216, USA | 5.0★ | 40 |
| #6 | North Florida Mortgage Brokers380 13th Ave N, Jacksonville Beach, FL 32250, USA | 5.0★ | 10 |
| #7 | Sharp Mortgages Inc. NMLS#1551638785 Perimeter Park Blvd, Jacksonville, FL 32216, USA | 5.0★ | 184 |
| #8 | Mortgages By Linda8833 Perimeter Park Blvd STE 403, Jacksonville, FL 32216, USA | 4.9★ | 160 |
| #9 | Coast2Coast - Bryan Lakey Mortgages13947 Beach Blvd #206, Jacksonville, FL 32224, USA | 4.9★ | 65 |
| #10 | Gary Burmeister Mortgage Broker11363 San Jose Blvd, Jacksonville, FL 32223, USA | 5.0★ | 52 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Jacksonville
Trusted by hundreds of local clients, this Jacksonville broker holds a flawless 4.9-star rating.
9428 Baymeadows Rd STE 502, Jacksonville, FL 32256, USA
Top-rated Jacksonville mortgage broker with a perfect 5.0★ rating from 40 reviews.
6817 Southpoint Pkwy #1002, Jacksonville, FL 32216, USA
5.0 stars from 10 Google reviews, reflecting exceptional client satisfaction.
380 13th Ave N, Jacksonville Beach, FL 32250, USA
Jacksonville's top-rated mortgage broker with 184 perfect 5.0-star Google reviews.
8785 Perimeter Park Blvd, Jacksonville, FL 32216, USA
Top-rated Jacksonville mortgage broker with 4.9 stars from 160 reviews.
8833 Perimeter Park Blvd STE 403, Jacksonville, FL 32216, USA
Top-rated Jacksonville mortgage broker with 4.9 stars from 65 reviews.
13947 Beach Blvd #206, Jacksonville, FL 32224, USA
Jacksonville's top-rated mortgage broker with 5.0 stars from 52 reviews.
11363 San Jose Blvd, Jacksonville, FL 32223, USA
5.0 stars from 44 Google reviews, reflecting exceptional client satisfaction.
1522 Penman Rd, Jacksonville Beach, FL 32250, USA
Rated 4.8 stars from nearly 300 Google reviews, a top choice in Jacksonville.
7411 Fullerton St Suite 201, Jacksonville, FL 32256, USA
Jacksonville's top-rated mortgage broker with a flawless 5.0★ from over 130 reviews.
4320 Deerwood Lake Pkwy #101-209, Jacksonville, FL 32216, USA
Trusted Jacksonville mortgage broker with a flawless 5.0★ rating from 176 reviews.
11 San Pablo Cir N, Jacksonville Beach, FL 32250, USA
Jacksonville mortgage broker with 5.0 stars from over 110 Google reviews.
8823 San Jose Blvd 301 302, Jacksonville, FL 32217, USA
Top-rated Jacksonville mortgage broker with 4.8 stars from 147 reviews.
8833 Perimeter Park Blvd. | Suite 402 |, Jacksonville, FL 32216, USA
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Mortgage Brokers in Jacksonville, FL — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | First Coast Mortgage Funding | 88/100 | 5.0 ★ | 439 |
| 2 | First Down Mortgage | 88/100 | 5.0 ★ | 354 |
| 3 | North Star Mortgage Network Inc. | 88/100 | 5.0 ★ | 324 |
| 4 | Guild Mortgage Company | 87/100 | 4.9 ★ | 385 |
| 5 | Florida Mortgage Corp | 78/100 | 5.0 ★ | 40 |
| 6 | North Florida Mortgage Brokers | 71/100 | 5.0 ★ | 10 |
| 7 | Sharp Mortgages Inc. NMLS#155163 | 87/100 | 5.0 ★ | 184 |
| 8 | Mortgages By Linda | 84/100 | 4.9 ★ | 160 |
| 9 | Coast2Coast - Bryan Lakey Mortgages | 79/100 | 4.9 ★ | 65 |
| 10 | Gary Burmeister Mortgage Broker | 80/100 | 5.0 ★ | 52 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Mortgage Brokers in Jacksonville
What does a mortgage broker do differently than going directly to a bank in Jacksonville?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Jacksonville?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in FL?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: July 4, 2026.
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