Purchase or refinance, we make it easy for you to get the funds you need with a quick closing. Get Pre-Approved for a Mortgage Today!


We understand that purchasing a home loan is one of the biggest financial transactions that you will ever make. With a mortgage from Jax Federal, you’ll enjoy low rates and flexible terms! Would you like to refinance your existing mortgage? We can help with that too!

Plus, we offer many money-saving benefits to home buyers and sellers through Preferred Realty Options.

First Mortgages

  • No Closing Costs option
  • 15, 20, and 30-year terms for fixed rate loans*
  • Up to 95% financing
  • Direct underwriting and processing – decisions are made in-house

At JAXFCU, we will assist you through every step of the mortgage process. For additional information, including our current rates, contact our Mortgage Originator!

Closing Checklist

Be prepared for closing and know what to expect with confidence.

Get it Now!

Save time & Money

Members receive exclusive benefits from Preferred Realty Options!

Learn more

Ready to get started?

Check rates, Apply online, visit a branch, or call 904-475-8000.
Not a Jax Federal member yet? Non-member mortgage applications are fast and easy!

*Loans for investment properties are offered to well-qualified members and as per our policy.

Umesh Patel

Umesh Patel

Mortgage Originator

Ask Umesh about our No Closing Costs option!
NMLS# 472608

Need Help?

Find detailed answers to our most frequently asked questions.

Get Answers

3 Tips for Home Improvements that Attract Buyers

Ask the Realtor: What are some simple home improvements that can attract more buyers? If you want to get top dollar for your home, you need to compete with other similar homes on the market. If your home may be lacking some updates, you may need more than a simple...

read more

Mortgages with No PMI

What’s PMI? Private mortgage insurance, also called PMI, is arranged by lenders and provided by private insurance companies. PMI is usually required when you have a conventional mortgage loan and make a down payment of less than 20 percent of the home’s purchase price...

read more

More reasons to bank at JAXFCU

Share This