Single Family Programs
Home Sweet Home Program 

 

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 Home Sweet Home Program is a continuously funding program and never "runs out" of money.  

Eligible Area 

Duval County, FL

Eligibility Criteria*

1. Buyers and their spouses (occupant and non-occupant) must be first-time buyers and must be able to permanently reside in the United States.  
2. Buyers must live in the property they purchase as their principal residence. 
3. All buyers much have a minumum FICO score of 640*. 
4. All applicants must be considered irrespective of age, race, color, religion, national origin, sex, marital status, military status, or physical handicap. 

*See loan officer for additional information -  other requirements.

Down Payment Assistance 

Assistance is offered as a 30 year deferred, 0.00% second mortgage, and up to $7,500 that must be used for down payment and closing costs.  The second mortgage is never forgiven and must be repaid when the first mortgage is refinanced, sale, short-sale, foreclosure, or it the borrower ceases to live in the property.  

Income Criteria 

Household income is considered for ALL borrower(s), spouses, and anyone 18 years or older. 

FHA, USDA-RD, and VA Loans: 

One to two person household $78,865
Three or more person household $90,694

Maximum Sales Price

New or existing, one to four units, detached or attached, condos, or townhomes may not exceed $225,000.  This must include everything paid by the buyer or on the buyer's behalf.  
 



JHFA Mortgage Credit Certificate ("MCC") Program 

First-time buyers, do not buy that house until you determine if you qualify for a MCC offered by the JHFA.  The MCC could save you thousands of dollars by reducing the amount of federal income tax you owe.  The MCC is not a down-payment assistance, but rather a dollar-for-dollar reduction in your federal tax liability.  

How Does an MCC Work?

An MCC is used in conjunction with every mortgage loan provided by a participating lender.  The MCC allows a borrower to take 50% of their annual mortgage interest as a tax credit (maximum $2,000) while continuing to use the balance of the interest as a deduction.  The MCC program tax credit is up to $2,000 every year for the life of the loan as long as the property remains the borrower's principal residence.  The MCC benefit may be received one of two ways: 

1.  Annually when a borrower files their federal income tax returns, or 
2.  A portion may be claimed with each paycheck by filing a revised W-4 form with the employer adusting federal income tax withholding.  

Another added bonus, this MCC program may be used with one of the first mortgage programs listed above that offer down payment and closing cost assistance.  The MCC program will have the strictest eligibility requirements so those must be followed in order to be combined with the program first mortgage.  

To see if you qualify please contact a participating lender:

AmeriFirst Financial Corporation 

  • Kelly Santos 
    • NMLS ID: 994273
    • (727) 514-2429

Caliber Home Loans 

  • Brendin Straubel 
    • NMLS ID: 1757609
    • (813) 728-7764
  • Claudia Gomez 
    • NMLS ID: 365503
    • (813) 317-5821
  • Cyndee Smith 
    • NMLS ID: 459635
    • (836) 944-3098
  • Jose Daniel Ruiz Lozada
    • NMLS ID: 408901
    • (813) 476-5581
  • Sandra Cardenas
    • NMLS ID: 1183490
    • (813) 928-0657
  • Sasha Baez-Agosto
    • NMLS ID: 1469651
    • (813) 603-5711
  • Tasha Faiella
    • NMLS ID: 1541675
    • (813) 505-5737
  • Terry Husbands
    • NMLS ID: 1701247
    • (813) 610-0872

CMG Mortgage, Inc

  • Joe Andrews
    • NMLS ID: 320789
    • (813) 781-9769
  • Nicolas Garazo
    • NMLS ID: 938807
    • (407) 605-3607

Fairway Independent Mortgage Corporation

  • Lindsey Vance
    • NMLS ID: 1250012
    • (727) 647-8198
  • Richard Mize
    • NMLS ID: 1136438
    • (813) 833-7424

Guaranteed Rate Affinity 

  • Mark Zihmer
    • NMLS ID: 795477
    • (813) 598-7815

Guaranteed Rate, Inc

  • Luis Rosado
    • NMLS ID: 1912368
    • (727) 509-6630
  • Maureen Helm
    • NMLS ID: 118232
    • (813) 437-6347
  • Thomas Bearint
    • NMLS ID: 226071
    • (813) 786-1941

Gulf Coast Bank & Trust Co. 

  • Randy Mason 
    • NMLS ID: 1712519
    • (504) 561-1337

loanDepot.com, LLC

  • Amy Waters
    • NMLS ID: 505610
    • (317) 490-9704
  • Dario Jimenez (Spanish Speaking)
    • NMLS ID: 659648
    • (813) 766-8725

NVR Mortgage Finance, Inc.

  • Sally Moreno 
    • NMLS ID: 226914
    • (813) 466-9447

Open Mortgage, LLC

  • Soledad Nicoletti (Spanish Speaking)
    • NMLS ID: 221996
    • (813) 404-6934

Primary Residential Mortgage, Inc.

  • Joanna Lind
    • NMLS ID: 873101
    • (787) 702-6440

PrimeLending, a Plains Capital Company

  • Kathy Morris 
    • NMLS ID: 451750
    • (342) 238-6445

SWBC Mortgage Corporation

  • Nicole Curry
    • NMLS ID: 226151
    • (954) 605-8485

Synovus Bank 

  • Patti Myers 
    • NMLS ID: 437137
    • (727) 423-8447
  • Ruth Principe
    • NMLS ID: 177910
    • (813) 440-7377