programs and services

Selecting and customizing our mortgage products to our clients' individual needs are our specialty, and combined with the fastest approval times in the industry, have made Atlantic First Mortgage Corporation the mortgage leader in the Jacksonville market.

Beyond the full range of Conventional, USDA-Rural Development, FHA, and VA loans, we are a VA Automatic Lender, meaning that we process and underwrite VA loans in-house. This ability gives us almost complete control of the application and approval process, which allows us to act quickly and give maximum consideration to your individual circumstances.

We are also an approved Direct Endorsement lender with FHA and have been delegated by many investors to underwrite many of our conventional programs. This arrangement gives us in-house authority similar to the VA and expedites the process.

Pre-qualification Process:
The first step in deciding on a home is to determine how much you can afford to buy. Our pre-qualification program not only estimates that amount, but also tailors a mortgage to fit your needs. Picking the right program can maximize your purchasing power and save you thousands of dollars. The Pre-qualification page contains our form and instructions.

Pre-approval Service:
This program will take the process a step further. When you provide specific documents, together with a formal application, we can actually approve your loan—generally within 24 hours—before you start house hunting. The only condition to the approval is the selection of an acceptable home.

The following must be provided:

1. A completed application

2. Your most recent pay stub and last two years' W2 Forms

3. Most recent bank statements for three months for all accounts

4. Self-employed individuals must provide copies of their last two years' personal and business tax returns as well as a year-to-date Profit and Loss statement and Balance Sheet prepared by your accountant.

5. For VA applicants, we will need your Certificate of Eligibility.

With this information in hand, we will be able to run appropriate credit report(s), complete employment references by phone, and complete income and credit underwriting for you. You will be provided with a written loan commitment based on a maximum interest rate and loan amount.