Jacksonville Mortgage Broker

There are many Florida mortgage lenders, but in Jacksonville the only lender you need to know is Avrus Financial & Mortgage Services. Our family-owned company has been successfully closing mortgages since 1982, and Avrus Financial’s Jacksonville experts provide personal, friendly service and the ability to offer almost immediate approval.

Key to quick approval is our Fannie Mae underwriting privileges, giving us the ability to make a mortgage decision within minutes of taking your application. We are a premier Jacksonville mortgage company, set apart from the rest by our people—your neighbors who live and work right here.

Avrus Financial provides our clients with a “Customer for Life” philosophy based on trust, expertise and know-how. We will take the worry out of wondering whether or not your loan is approved.

We are licensed, insured and bonded as direct mortgage lenders and mortgage brokers in Jacksonville and all of Florida. You can count on us to be here for you with decades of experience, local knowledge, and personal, one-to-one attention.

What also sets Avrus Financial apart from other mortgage companies in Jacksonville and around Florida is our dedication to match each customer with the best mortgage for their individual and unique situation. Our friendly and expert loan officers, processors and associates are knowledgeable and keep up-to-date with the mortgage industry in Florida, especially Jacksonville.

Avrus Financial & Mortgage Services is your complete Jacksonville mortgage company. We offer a broad range of mortgage products, including:

• FHA home loans for Jacksonville clients
• VA home loans for Jacksonville clients
• First-time Jacksonville home buyer loans
• Jacksonville reverse mortgages
• Mortgages for Jacksonville self-employed
• Jacksonville commercial real estate loans
• Jacksonville jumbo loan packages
• Debt consolidation refinance mortgages for Jacksonville residents

Whether you are a long-time resident or new to Jacksonville, with Avrus Financial you have a life-long partner—a mortgage broker that will provide a loan tailored to your needs to meet your specific circumstances. Fill out our application today and discover why Avrus Financial is the best mortgage broker in Jacksonville.

Jacksonville Real Estate Mortgage

From first-time home mortgage buyers to jumbo loan shoppers to loan refinancing, getting the best rate for Jacksonville real estate can often be confusing and sometimes frustrating. Buyers who partner with the right lender keep their home finances in order and do their homework can sail through the process from application to close, and lock in a low rate.

The right partner

When it comes to mortgage rates in Jacksonville, Florida, Avrus Financial & Mortgage Services is the lender you can trust for fast application approval, the lowest rate and hassle-free closing. We have decades of experience in the financial and mortgage business and we understand what it takes to close loans quickly and get our customers the best rate possible for Jacksonville, Jacksonville Beach and surrounding Florida real estate.

Jacksonville mortgage rates, like with the rest of Florida, are always changing. And, we have great news: with Jacksonville home mortgage rates at near-historic lows, home mortgages for Jacksonville, Jacksonville Beach and surrounding Florida real estate are very attractive.

Licensed, insured and bonded as a direct Florida lender and broker, our Fannie Mae underwriting privileges give us the ability to make a mortgage or mortgage refinancing decision on your Jacksonville real estate within minutes of taking your application. You can count on our “Customer for Life” philosophy, our expertise and our know-how to make applying for a loan approval a worry-free process.

At Avrus Financial, we provide personal, one-to-one service. Our dedicated loan officers, processors and associates are knowledgeable and have deep roots in Florida. We know Jacksonville, Jacksonville Beach and surrounding Florida real estate like none other.

Personal finances and loan rate

• Key factors to get the best Jacksonville mortgage rate include:
• Pay off debts promptly and every month
• Make housing payments on time
• Don’t fill out multiple loan applications
• Manage credit with a few good accounts
• Demonstrate your ability to save
• Beware of co-signing
• Provide timely and complete application information
• Don’t overstate income
• Use a competent realtor to negotiate the best deal

Do your homework

Good financial record keeping and managing personal credit are just part of what determines your mortgage rate. Other factors in determining Jacksonville and surrounding area mortgage rates include:

• Home type: single-family will bring lower rates
• Primary residence: vacation, second-home and income properties score higher rates
• Monthly disposable income
• Potential to buy the rate down an extra 1/8^th or even 1/4^th point

When you partner with Avrus Financial, we dedicate all our efforts to matching you with the best home mortgage for your unique situation, at the best rate in Jacksonville. There’s a reason the majority of our business comes from previous customer referrals and local real estate professionals. You can trust that as our customer you will receive personalized attention from our knowledgeable staff to help you close in the quickest and most efficient manner possible.

Northeast Florida Real Estate

The end of a day, start of the weekend or daybreak over the first tee. Whatever reason brings you home, you know life is at its best right here, among Northeast Florida’s relaxing riverfront views, stunning ocean seascapes and welcoming communities.

At its center is Jacksonville, Florida’s largest city where real estate gems are waiting to be discovered. Unwind among the beaches and waterways with a leisurely drive or opt for a more hands-on experience, fishing or boating in the country’s biggest urban park system.

To the west is Macclenny, offering affordable real estate with a small-town feel, yet only minutes from Jacksonville’s big-city amenities. The many surrounding lakes, state parks and nearby Osceola National Forest make this community ideal for outdoor lovers.

To the north and east is Fernandina Beach, Florida’s northernmost oceanfront real estate. Home to the Amelia Island Lighthouse, the state’s oldest—dating to 1838—this charming community is surrounded by the Atlantic ocean to the east and intercoastal waterways to the west.

Also known as the “Isle of 8 Flags”, Fernandina Beach is the only U.S. city to have had the flags of eight nations flown over it, starting with the French flag in 1562, and later including, among others, the flags of Spain, Great Britain, Mexico and the United States. Real estate in Fernandia Beach can be highly sought after, and location—oceanfront and waterfront—is paramount.

South of Jacksonville along the Florida coast is Saint Augustine, with real estate spanning the spectrum from small condominiums to million-dollar manors. St. Augustine is a community of about 13,000, and is the oldest city and port in the continental U.S. that was established by Europeans and has been occupied continuously, dating to 1565.

Further south and inland is the “Gem of the St. Johns River,” Palatka. This small Florida community offers abundant, affordable real estate. Its name is derived from the Native American term for “boat crossing,” and Palatka offers superb fishing among a host of outdoor recreation opportunities.

Like much of Northeast Florida, Palatka and the surrounding area has deep historical roots. Occupied by both Confederate and Union troops during the Civil War, it also served as Fort Shannon during the Seminole Indian Wars.

From golf to birding, surfing, boating, unique dining, eclectic shopping and even NFL football, Northeast Florida offers something for everyone. Businesses are typically accessible by biking or walking, drawing residents for its array of real estate choices and easy outdoor lifestyle. Big city lights to small town quite, find your real estate gem in Northeast Florida.

Jacksonville Florida Mortgages

Everybody wants to dream about their new home. Nobody likes to think about their mortgage. And that’s why we are here.

At Avrus Financial and Mortgage Services, our job is to think about your mortgage. So when you find the ideal Jacksonville property, we’ll be there to help you buy it.

We start by knowing everything. Everything about mortgages in Florida, that is. We know the different kinds of mortgages available. We know the various features available with each. We know which lenders are offering which combination of features. We know what the going rate is on the street.

We also know a few things that you will find come in surprisingly handy when arranging Jacksonville mortgages for people just like you.

We know how to squeeze the best interest rate out of lenders. Sometimes it might just be an extra half a percentage point. That seems like so little. Like nothing, in fact. But that half a percentage point over a 20 year amortization period could save you $20,000 or more. This is really important for you, the Avrus advantage.

We also know how to make sure you qualify for the mortgage. Not everybody qualifies right away, and not everyone knows how to change that. And even those that know, like the banks, will rarely help you. Our job is not just to know, but to put that knowledge to work. So when the bank says “No”, we say, “Yes…and here is what you need to do to qualify”. Knowing all about Jacksonville mortgages is not enough; we also do something about them.

Speaking of doing, you know all those forms that come with applying for a mortgage? We help you take care of that so that the paperwork doesn’t leave you with too much of a headache to dream about your new home in Jacksonville.

Most importantly, we treat you with respect. That pile of forms can wait until you qualify for the mortgage. Let’s get you qualified first. That is something that doesn’t seem to have occurred to most banks, either.

Jacksonville is a city with history, the economic center of northern Florida. Jacksonville real estate comes with a certain price of ownership. We want to help you build that price, to buy your Jacksonville property, and to make sure your experience living in Jacksonville is unfettered by a mortgage burden bigger than it needs to be.

Let Avrus Financial and Mortgage Services do the thinking and the paperwork that you don’t want to.