The Financing Process
Demystifying Home Loans
The home loan process can feel overwhelming. By collaborating with a trusted lender and remaining informed through every step of the process, from pre-approval to closing, you can have a significantly more comfortable experience. You
Our Preferred Lender
First Down Mortgage
NMLS ID #2372830
1655 The Greens Way, Jacksonville, Beach FL 32250
https://www.firstdownmortgage.com/mattkeeler-1-2Matt Keeler
(786) 208 - 3327 Keeler@firstdownmortgage.comMatt was born and raised in Miami Beach and is a graduate of Ponte Vedra High School and the University of North Florida. With deep roots in the community, he understands the importance of trust, clear communication, and long-term relationships, values he brings to every client interaction. Matt remains actively involved locally as a youth lacrosse coach and for Ponte Vedra High School, reinforcing his commitment to mentorship and teamwork. Outside of work, he enjoys spending time with his wife and kids. Matt is passionate about helping families and individuals navigate the mortgage process with confidence, transparency, and a personalized approach, ensuring they feel supported every step of the way toward homeownership.
Step One:
Get Pre-Approval
Before you start looking for a home to buy, it
Estimate Your Monthly Payment
Estimate your mortgage payment, including the principal and interest, taxes, insurance, HOA, and Private Mortgage Insurance.
Price
Annual Tax
Loan Term (Years)
Down Payment %
Interest Rate %
Monthly HOA
Monthly Insurance
$3,198.20
Estimated Monthly Payment
Principal
$2,398.20
(75.0%)Taxes
$500.00
(15.6%)Private Mortgage Insurance (PMI)
$0.00
(0.0%)HOA
$100.00
(3.1%)Insurance
$200.00
(6.3%)
Step Two:
Find the best loan
Collaborating with a top-notch local loan officer will ensure you have access to competitive rates and programs that best fit your individual needs. Take the first step by completing this form to get connected today!
Step Three:
Application and processing
When you find the perfect property and your offer is accepted, your lender will help you complete a full mortgage loan application, discuss down payment options, and explain any related fees.
Then, your application is submitted for processing where the documents are reviewed. Your lender will also order a home appraisal and a property title search.
The next part of the application process involves sending everything to an underwriter who will review and approve the entire loan package to make sure it meets all compliance regulations.
It is not unusual to receive requests for additional documentation or clarification during this phase of the application process.
Step Four:
Signing and finalizing the deal
Once your loan is approved, you
