Sharp Mortgages
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We are a full-service mortgage company based in Jacksonville, Florida. We specialize in first-time home buying in Jacksonville and Ponte Vedra. Whether you are buying a home or refinancing in the greater Jacksonville area, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment. We offer a wide range of refinancing options, designed to best meet the needs of local borrowers.

If you're looking for cash out or just getting a better rate and term, we can assist you. What makes Sharp Mortgages, Inc. unique is that we offer the following niche programs as well: Reverse Mortgage, Bank Statement Loans, and Damaged Credit. Contact Sharp Mortgages, Inc. today to discuss your mortgage loan options and determine which loan program will best suit your needs.

Begin the process by calling us today or fill out an online application. For a start, we make the process hassle-free. Not to mention, closing can be as convenient as e-signatures with an online notary at any location!
Services
Our mission is to serve our customers with honesty, integrity, and competence.
Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible.
Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
Our company staff has spent over 28 years satisfying customers across Florida who need mortgages.
Our mortgage professionals will give you the personal attention you deserve and treat you with the respect due to a valued customer.
Before you begin to shop for a new home, you should set up a time to meet with our staff so we can determine how much of a home you can comfortably afford.
This will put you in a stronger position as a buyer and help relieve the stress commonly associated with buying a home.
Additionally, before a home is taken off the market, all realtors and sellers want to know that the buyer is qualified to buy their home.
We'll review your mortgage options, assess your goals for a down payment and get an idea of different loan programs that would work for you.
Kindly provide your date of birth so our mortgage brokers can verify your identity when they contact you.
Thank you for your cooperation.
Sharp Mortgages, Inc. strives to ensure that its services are accessible to people with disabilities.
Sharp Mortgages, Inc. has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence.
Applying for a mortgage can seem like a daunting and scary process.
To help, we've created a checklist of things for you to compile, complete and acknowledge before applying.
Credit history is a recorded file of past and current credit that is utilized to compile a credit score.
A closing cost is a payment required to finalize a home loan and is separate from a down payment.
An appraisal is an estimate of a property's fair market value and is required by a lender to ensure the loan amount is not more than the property value.
There are several different types of home loans available to you, and they can pay to familiarize yourself with them.
Luckily we're here to help you choose the best type of home loan for your needs.
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime.
Adjustable-rate mortgages include interest payments that shift during the loan's term, depending on current market conditions.
Typically, these loans carry a fixed-i.
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