Jacksonville, We Are Here To Guide You Home!

Your path to homeownership in Jacksonville starts here. We’re committed to making homeownership possible for everyone, and our dedicated team of local mortgage experts is ready to guide you through each step of the homebuying journey.  

Explore our unique financing and assistance programs, join us for an upcoming homebuyer workshop and contact us with any questions about what you can expect. From Downtown to North Shore, LaVilla to Springfield, and anywhere across The River City, we’re with you. Let’s get you home. 

Homebuyer Assistance Programs

Home Ownership Assistance

Ameris Choice provides qualified borrowers with up to $20,000 in assistance to purchase a new house or refinance their current home in the Jacksonville, Florida area. Click here to see a map of eligibility areas and learn more about the program.

Ameris Bank offers eligible first-time homebuyers up to $12,500 toward a down payment and closing costs through the Ameris Down Payment Grant Program. Learn More.

  • Up to 100% financing of the appraised value available for eligible first-time homebuyers 
  • Mortgage insurance not required 
  • Owner-occupied, primary residence only 
  • Borrower required to contribute a minimum of $500 
  • Gifted funds permitted 
  • Income and location restrictions apply 

FHA Loan 
The Federal Housing Administration (FHA) leads the way in affordable home financing with low down payment options and flexible qualifying guidelines. 

Program Highlights: 

  • As little as 3.5% of the appraised value for down payment 
  • Gift funds may be used for down payment assistance 
  • Fixed-rate mortgage
  • Seller can pay closing cost up to 6% 

FHA Construction-to-Permanent Loan 
This loan program combines the purchases of your lot, construction costs and permanent mortgage financing into a single loan-ensuring you have the funds to build your dream home in one closing.  

Program Highlights: 

  • Down payments as little as 3.5% of the appraised value 
  • Maximum loan amount based on county loan limits set by Federal Housing Administration (FHA) 
  • Maximum debt-to-income (DTI) ratio of 50% allowed 
  • Required reserves of at least two months of principal, interest, taxes, insurance and association dues 
  • 12-month construction phase 
  • Available for primary residences only 

Ameris Choice
Ameris Choice provides qualified borrowers with up to $20,000 in assistance to purchase a new house or refinance their current home in the Jacksonville, Florida area. Click here to see a map of eligibility areas and learn more about the program.

Salute Our Soldiers Military Loan Program 
Administered by the Florida Housing Finance Corporation, The Salute our Soldiers Military Loan Program offers military service personnel and veterans 30-year, fixed-rate first mortgage loans with several down payment assistance options. This program is available in all 67 counties throughout the State of Florida to borrowers who are purchasing a primary residence, meet income and purchase price limits, can qualify for a first mortgage loan, and successfully complete a homebuyer education course. 

Jacksonville Head Start to HOME Ownership (H2H) Program 
The H2H program provides financial aid in the form of down payment and closing cost assistance to eligible families and/or individuals in Duval County. Families and/or individuals who do not currently own a house, who will reside in the home as their primary residence and who meet household income criteria will be eligible for assistance pending funding availability. 

Florida Housing’s First-Time Homebuyer (FTHB) Program 
This program offers 30-year fixed-rate loans to first-time homebuyers through participating lenders and lending institutions across the state of Florida. Eligible borrowers may also participate in one of Florida Housing’s second mortgage programs to assist borrowers with down payment assistance and closing costs. Click here for more information. 

We are proud to serve those who have served our country. Through the U.S. Department of Veterans Affairs (VA), we offer a special financing option for our veterans, available with little to no down payment. 

Program Highlights: 

  • Loan amounts up to $1,250,000 for eligible borrowers 
  • Up to 100% financing of the appraised home value available for qualified borrowers; based on entitlement remaining for the veteran 
  • No monthly mortgage insurance 
  • Funding fee may be financing into the loan 
  • Closing costs can be paid with gift funds, with available grants, or by seller 
  • Seller concessions allowed up to 4% 

Borrowers have the option to work with a lender of choice and are not obligated to apply for financing with Ameris Bank. Empire Homes is an independent third party and is not affiliated with, or a subsidiary of, Ameris Bank.

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