Buying a Home in Jacksonville

A large coastal city with beaches, rivers, and a strong military presence

About the Jacksonville Area

The Jacksonville area includes Duval County, the beach communities along the Atlantic, and nearby suburbs in Clay, St. Johns, and Nassau counties. Buyers include military families, healthcare and logistics workers, and people relocating from other states.

Cities & Towns Covered

This guide includes buyers in and around:

Jacksonville
Jacksonville Beach
Atlantic Beach
Neptune Beach
Orange Park
Fleming Island
Middleburg
Ponte Vedra Beach
St. Augustine
Fernandina Beach

Don’t see your town? If it’s nearby, I can probably help. Just ask.

What Buyers Here Often Consider

Homes near the ocean, creeks, and the St. Johns River may require flood insurance, and homeowners insurance can be a major part of the monthly payment in Florida. VA loans are worth exploring for military buyers.

Mortgage Options for Jacksonville Buyers

Depending on your qualifications and the property, financing may include conventional loans, FHA loans, VA loans for eligible borrowers, and certain low- or no-down-payment options. Program eligibility, credit requirements, income limits, loan limits, and property rules vary. I can help you build the full monthly payment, including taxes and insurance, before you start touring homes.

Questions Worth Asking Before You Buy

How much cash will you need for the down payment and closing costs? What monthly payment fits comfortably once taxes, insurance, and any HOA fees are included? The answers depend on your specific situation and current loan pricing.

Let’s Talk About Your Homebuying Plans

I’m Bob French, a mortgage loan officer based in Greater Atlanta. I cover all of Georgia and hold a Florida license, so I can help you compare financing options and understand the numbers.

Schedule Personal Time With Bob →Send a Mortgage Question

Bob French · NMLS #2333469 · David Kilpatrick Financial LLC · NMLS #1574879. This guide is general information, not a loan offer or a commitment to lend. Loan programs, limits, and requirements change and are subject to underwriting and lender requirements.