Jacksonville, FL · KW Atlantic Partners
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Home Journey
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Expert guidance for buyers and sellers across Jacksonville and Northeast Florida. Real education. Real results.
Expert guidance for buyers and sellers across Jacksonville and Northeast Florida. Real education. Real results.
Whether you're buying your first home, selling your current one, or investing — I bring local expertise every step of the way.
From pre-approval to closing day, I guide you through every step with zero surprises.
Start Your Journey →Professional photography, drone, 3D tours, and digital marketing to get the best price.
Get a Free Valuation →In-depth guides, market updates, and resources to help you make smarter real estate decisions.
Explore Resources →Understanding your loan options is the first step to knowing what you can afford. Here's a plain-English breakdown of the most common programs.
Min Down
3% – 5%
Min Credit
620+
Max DTI
43% — 45% with strong file
Best For
Buyers with good credit and stable income
No upfront mortgage insurance if you put 20% down. Private mortgage insurance (PMI) required below 20% but can be removed once you hit 20% equity.
Min Down
3.5%
Min Credit
580+ (500 with 10% down)
Max DTI
50% with compensating factors
Best For
First-time buyers or those rebuilding credit
Backed by the federal government. More flexible credit requirements but requires mortgage insurance for the life of the loan in most cases.
Min Down
0%
Min Credit
Typically 620+
Max DTI
41% — flexible with residual income
Best For
Active military, veterans, and eligible surviving spouses
No down payment, no PMI, and competitive rates. One of the best mortgage products available — Jacksonville has a large military community that qualifies.
Min Down
0%
Min Credit
640+
Max DTI
41% — 44% max
Best For
Buyers in eligible rural or suburban areas
Parts of St. Johns County and surrounding areas qualify. Income limits apply. Low mortgage insurance costs compared to FHA.
Min Down
3% – 5%
Min Credit
620+
Max DTI
43% — 45% typically
Best For
Buyers purchasing from a production builder
Many Jacksonville builders (LGI, Meritage, Pulte) offer temporary or permanent rate buydowns using builder incentive funds. Can bring rates to 3.99%–5%.
Min Down
0% – 3%
Min Credit
640+
Max DTI
45% max
Best For
First-time buyers who need down payment assistance
Florida Housing Finance Corporation offers forgivable second mortgages and grants for qualifying buyers. Income and purchase price limits apply by county.
Know Before You Apply
Debt-to-income ratio (DTI) is the percentage of your gross monthly income that goes toward monthly debt payments — including your new mortgage, car loans, student loans, credit cards, and any other obligations. Lenders use DTI to measure how much additional debt you can safely carry. A DTI above 43% will limit your loan options. Above 50% and most programs will decline you outright. The good news: paying down a car loan or credit card before applying can move your DTI significantly — sometimes enough to change your loan tier entirely.
DTI limits vary by loan type, lender, and compensating factors like credit score and reserves. Ask Kupa what your number looks like before you apply.
Not sure which loan fits your situation?
Book a Free Buyer Consultation →I'm Kupa, a licensed Florida REALTOR® with Keller Williams Atlantic Partners. I believe every family deserves honest, clear guidance through one of life's biggest decisions.
My approach is simple: educate first, sell second — because an informed client always makes better decisions.
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