• Jacksonville Lender

    First Option Mortgage provides mortgage services to communities throughout the state. Whether you live in a large metro area like Jacksonville, a subdivision in one of the suburban communities, we have home loans that will suit your needs.We have Jacksonville based loan consultants that can serve you directly with local programs.

    We close loans quickly

    Why wait 60 days to close your loan and then lose the home you really want to buy? We close our loans in 17 days on average and give you a great rate. The supply of houses has tightened up and as a result prices are going up. Don't get caught up in the Big Bank waiting line and miss out on your Dream Home.

    We will find the right mortgage for you

    We work with each customer to determine their specific needs and put them in the right product. If we find a way to save money we explain the options to the customer so that they understand and can make the best choice for their situation.

    Support throughout the entire mortgage process

    Our support staff is professional and located in our Jacksonville office. Their goal on every file is to keep you and your realtor updated throughout the process. You can have a pre-qualification letter within 2-3 days and close your loan within 21-30 days.

    • Jim Steen - Loan Originator
    • Nick Gruen - Branch Mgr
    • Ronnie Morgan - Loan Processor


    Click Here: >

    • Mortgages fund in 15 days 
    • Pre underwriting in 2 days
    • In-house processing 
    • Experienced staff 
    • Best rates and service 


    Learn more: >

  • "Jim Steen and his First Option team did an awesome job for me and my wife helping us buy our home. I would definitely refer all my friends to him." - Julian R. Jacksonville Fl. 

    Click below to see more customer testimonials:

    Click Here: >

  • Realtors, I am offering my 12 years of loan origination experience to Jacksonville area realtors who want to get their borrower's loans done quickly. If you have a borrower that needs to get pre-qualified call me at my office at 904-332-7807 or cell 904-200-0225.

    Pre-approval Click: >

  • Jacksonville's Premier Mortgage Lender: Conventional, FHA, VA, USDA, and Jumbo Loans
  • What First Option Mortgage Jacksonville FL Can Do For You:

    First Option Mortgage can help you whether you are buying or refinancing a property: 

    • Conventional, VA, and USDA Mortgages up to $484,350 for 1 unit.
    • FHA Mortgages for Duval and Clay County up to $358,800 for 1 unit.
    • Jumbos mortgages up to $2 Million with lower credit scores.
    • In house processing and pre-underwriting files in 1-2 days.
    • Loans closed on average of 15 days from full application submittal.
    • In house support staff experienced in origination, processing, closing loans.
    • Top marks 5/5 on customer satisfaction and repeat referral business.
    • Down payment assistance available based on credit score and income limits.
  • 2019 Programs and Products First Option Mortgage Jacksonville

    • Fast Closings and Great Customer Service - We close our loans on average in 15 business days 
    • Product Grid - Our product overview for 2019 for primary homes, second homes and investment properties. Products included JUMBO, CONV, FHA, VA, USDA, and Const to Perm 
    • L.E.A.P. - Listing Edge advantage Program Get you borrower 1% off their closing costs and seller gets all lender fees waived up to $1495 on next transaction if they use First Option Mortgage  
    • W2 Only Program - Eliminates need for tax returns based on customer credit mid-score which reduces documentation and speeds up loan process 
    • Jumbo Alternative - We bypass the high credit score and large down payment requirements of a JUMBO loan and avoid mortgage insurance. 

     Please contact Jim Steen at 904-200-0225 for questions on any of these programs. 

  • Latest News

    A beautiful, well-manicured lawn is a source of great pride for many homeowners. Maintaining a healthy lawn takes work and hours of TLC, including regular watering, cutting, and laying down fertilizer. A lawn that's cared for shows that you take [...]

    Read more