If you’ve ever dreamed about home ownership but felt that buying a home was a little beyond your reach, the Jacksonville Housing Finance Authority (JHFA) may make your dream a reality with their First-Time Homebuyer Program.

The Jacksonville Housing Finance Authority's Single-Family Loan Program offers a 30-year, fixed-rate mortgage for first-time homebuyers. The program offers a 1.00% origination fee and is exempt from documentary stamps and intangible tax on the mortgage and note.

All qualified borrowers will also receive a Mortgage Credit Certificate (MCC). The MCC allows a borrower to take the lesser of 50% of the annual mortgage interest paid or $2,000 as a tax credit, while continuing to use the balance as a tax deduction. A tax credit is subtracted from the total federal income tax liability, provides a dollar-for-dollar reduction of liability and is limited to the homeowner’s tax liability.

Single-Family Program Brochure

Single-Family Program Flier

Current Single Family Loan Program Lenders:

SWBC Mortgage Corporation

  • Donald Ster (NMLS# 450499) - (904) 887-1101
  • Rick Holmes (NMLS# 267426) - (904) 641-5100
  • Michael Warner (NMLS# 1013616) - (904) 641-5400
  • Alexandra Holmes (NMLS# 1252755) - (904) 641-5100

Academy Mortgage

  • Mary Keene (NMLS# 396398) - (904) 813-0000