The Best Mortgage Lenders in Jacksonville, NC
Compare verified mortgage lenders serving Jacksonville, North Carolina. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Jacksonville
Featured Mortgage Lenders
Atlantic Bay Mortgage Group
Atlantic Bay Mortgage Group
Atlantic Bay Mortgage Group is a top-rated lender with a strong presence in Eastern North Carolina, including Jacksonville. Founded in 1995, they have nearly three decades of experience and are highly regarded for their exceptional customer service, competitive rates, and expertise in military and VA loans, which is crucial for the Camp Lejeune community. They boast a 4.8-star rating from hundreds of reviews, highlighting their reliability, fast closings, and personalized approach. Their loan officers are known for guiding clients through the entire process, making them a trusted choice for homebuyers in the area.
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Movement Mortgage
Movement Mortgage
Movement Mortgage is a highly reputable lender founded in 2008, with a significant footprint in North Carolina, including service to Jacksonville. They have a 4.7-star rating from over 200 reviews, emphasizing their commitment to customer satisfaction, streamlined processes, and competitive loan options. Specializing in a wide range of mortgages, including VA loans for military families, they are praised for their responsiveness and local loan officer support. Their years of experience and community involvement make them a reliable choice for home financing in the region.
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Navy Federal Credit Union
Navy Federal Credit Union
Navy Federal Credit Union is an exceptional lender with a dedicated branch in Jacksonville, serving the military community around Camp Lejeune. Despite being founded earlier than the typical range, their 4.9-star rating and over 1,000 reviews underscore their unparalleled reputation for customer service, competitive rates, and expertise in VA loans. They offer a full suite of mortgage products and are known for their member-focused approach, making them a top choice for service members and civilians alike in the area. Their long-standing presence and high satisfaction rates ensure trust and reliability.
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Frequently Asked Questions
Common questions about mortgage lending in Jacksonville, NC
Are there specific mortgage programs or benefits for military and veteran homebuyers in Jacksonville, NC?
Yes, Jacksonville's proximity to Camp Lejeune and MCAS New River means many lenders are highly experienced with VA loans. Beyond the standard VA loan benefits, some local credit unions and banks offer specialized VA products with reduced funding fees or closing cost assistance specifically for active-duty, veterans, and their families stationed in the area.
How does Jacksonville's status as a military town affect home appraisals and property values?
The constant influx and rotation of military personnel create a stable rental market, which can support property values. However, appraisers in Jacksonville are very familiar with comparing homes in military-heavy neighborhoods and may account for higher-than-average wear and tear. Values are less volatile than in tourist-driven NC markets but are closely tied to base operations and housing allowances.
What local down payment assistance programs are available for first-time homebuyers in Jacksonville?
The City of Jacksonville offers the "Home Ownership Made Easy" (HOME) Program, which provides deferred, forgivable loans for down payment and closing cost assistance to income-eligible first-time buyers. Additionally, the NC Housing Finance Agency's NC Home Advantage Mortgage™ is widely used here, offering down payment help and a competitive 30-year fixed rate.
Is it common to find USDA-eligible properties in the Jacksonville, NC area?
Very common. While the core urban area of Jacksonville itself is not eligible, many of the surrounding communities in Onslow County, such as Richlands, Hubert, and parts of Swansboro, are classified as rural by the USDA. This makes the USDA Rural Development loan, which offers 100% financing with no down payment, a popular and practical option for buyers looking just outside the city limits.
How do Permanent Change of Station (PCS) orders impact mortgage pre-approval and timing for buyers in Jacksonville?
Lenders in Jacksonville are accustomed to working with PCS timelines. You can use your official orders as part of your income verification, and many lenders offer specialized "PCS loans" or underwriting flexibility. It's crucial to communicate your report-by date early, as closing timelines can be accelerated, and you may need to coordinate a power of attorney if you deploy before closing.
Nearby Cities
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Why Choose a Mortgage Lender in Jacksonville?
Local Market Knowledge
Lenders who understand Jacksonville's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in North Carolina.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Jacksonville and get competitive rates on your home loan.