Jordan Vreeland
Licensed Mortgage Broker · NMLS #795404
Florida's largest city by area. Two naval bases. One of the fastest-growing counties in the country. VA loans, FHA, USDA, and new construction financing handled from day one. We've closed loans in as few as 5 days.
Jacksonville is Florida's largest city by land area and one of its most diverse real estate markets. The median home price sits around $300,000, making it one of Florida's more accessible markets for first-time buyers. But it's not a simple market. You have luxury neighborhoods in Ponte Vedra and Riverside sitting alongside affordable options in the Westside and Northside. St. Johns County is one of the fastest-growing counties in the entire country. And running through all of it is a significant military presence.
NAS Jacksonville and Mayport Naval Station mean a large share of Jacksonville-area buyers qualify for VA loans. Zero down payment, no private mortgage insurance, and competitive rates: VA is often the strongest program available for eligible borrowers, and it's one we handle regularly. If you or your spouse served, it's the first thing we check. See our full guide to VA loan benefits for Florida veterans for the details.
St. Johns County and areas like Nocatee, Rivertown, and southern St. Johns are seeing constant new construction. Builder timelines are tight and builders want buyers who are fully approved, not just pre-qualified. A DU Approval through our process gives you the kind of commitment letter that holds up when a builder's sales team asks for it. Parts of Clay County and outer Duval County also qualify for USDA financing, which is worth knowing if you're looking at properties in Fleming Island or Orange Park.
We're licensed throughout Florida and in most states nationwide (excluding NY). We serve buyers across the Jacksonville metro: Jacksonville, Orange Park, Fleming Island, Ponte Vedra, St. Augustine, Nocatee, and St. Johns County.
Jacksonville's buyer pool is broad: veterans, first-time buyers, new construction purchasers, and move-up buyers in St. Johns County. Every profile needs a different loan strategy. We match you to the right one.
No down payment. No monthly mortgage insurance. NAS Jacksonville and Mayport Naval Station bring a large active-duty and veteran population to Northeast Florida. If you qualify, VA is almost always the best option on the table.
Down payments as low as 3.5% with flexible credit requirements. Jacksonville's sub-$300k market makes FHA a strong fit for buyers getting into affordable neighborhoods in Westside, Northside, and outer Duval County.
Zero down payment for properties in USDA-eligible zones. Parts of Clay County and outer Duval qualify. Often missed by buyers in Orange Park, Fleming Island, and Middleburg who assume they don't qualify.
Nocatee, Rivertown, and St. Johns County builders want buyers who are fully underwritten, not just pre-qualified. Our DU Approval process clears a layer of automated review that holds up when a builder's contract team asks for documentation.
Competitive rates for buyers with strong credit and stable income. Works in any Jacksonville neighborhood and is the most widely accepted loan type for move-up buyers in Ponte Vedra, San Marco, and Riverside.
Jacksonville has a large healthcare, military, and education workforce. Hometown Heroes provides up to $35,000 in down payment assistance for qualifying essential workers. We confirm eligibility during your pre-approval.
VA loan eligibility takes about five minutes to confirm. We'll tell you exactly what you qualify for and what your payment looks like before you tour a single home.
Jacksonville's military and essential worker population is well-positioned for statewide DPA programs. Most buyers don't know these programs exist, or assume they earn too much to qualify. The income limits are higher than most people expect. Here's what's currently available:
Program terms change. We verify current eligibility before committing to any program. See our Florida down payment assistance guide for a full breakdown of active statewide options.
Jordan Vreeland has been closing Florida mortgages faster than the market standard for years. Jacksonville's active-duty military population needs lenders who understand VA loans inside and out, not just those who offer them. St. Johns County's new construction market needs buyers who come to the table with real approval documentation, not a letter that falls apart at underwriting.
The DU Approval process is central to what we do differently. Running Desktop Underwriter before you're under contract means your file has passed a layer of automated review. It makes your offer more credible to sellers in Riverside, Ponte Vedra, and San Marco, and it gives new construction sales teams the documentation they want before signing a contract.
We're available 24/7, including nights and weekends. Jacksonville's market moves across a large geographic area, from the beaches to St. Johns County to the Westside. When the right home shows up, you need answers fast. We don't disappear after your application is submitted. We stay involved through closing day.
1,400+ five-star reviews on Google from buyers across Florida. Here's a sample of what clients say about working with Jordan Vreeland and the 14 Days To Close team.
"Be ready to close in 14 days. They'll keep you on track and make sure, from set up to tours, to get it done. I personally have never received this type of service... They live by their name! Great team!!"
"Jordan and the team helped us every step of the way. There were no crazy surprises in the process, very open, honest and available for every question I had. We have been in our home now for over half a year and are more than satisfied."
Individual results may vary. Closing timelines depend on factors including appraisal, title, inspection, and borrower circumstances. 14 Days To Close does not guarantee a specific closing date.
VA, FHA, USDA, conventional, new construction: we'll tell you which program fits, what your payment looks like, and how fast we can get you to closing. No waiting, no runaround.