Home Mortgage & Refinance Whether it's your first home or dream home, we've got your back
Primary & Secondary Residence Mortgages
Home is closer than you think. We offer a variety of mortgage options so that you can select the right financing option for your permanent residence or vacation home. Start your home-owning journey with 121 Financial, where you can expect competitive rates, in-house underwriting and lower closing costs.
Fixed Rate Loans
Maintain the original interest rate throughout the entire life of your loan.
Adjustable Rate Loans
Pay a lower monthly payment for a fixed number of years to allow for more flexibility.
We offer special pricing when your dream home exceeds the conventional loan limit.
Ask us about our first-time homebuyer and other programs.
Not every move is into a forever home But in Jacksonville, even the small moves have a huge impact.
If you are looking for a shorter-term mortgage, ask us about our Home Run program that pays up to $5000.00 in closing costs.
**FHA, VA, and USDA rates are available through our mortgage partner, TruHome Solutions. For more information, contact us at 833-832-0145
Refinance Your Home Mortgage
Pay off your home mortgage before you retire. Whether you want to build home equity faster or just save money, 121 Financial can work with you to help lower your interest rate and monthly payments with our refinancing options.
Why Should You Refinance?
When Should You Refinance?
How Can I Prepare to Refinance?
1. Familiarize yourself with your credit history
2. Collect your personal financial information
3. Talk with 121 Financial to discover your options!
Still Seaching for a Home? Save BIG with HomeAdvantage!
By using a credit union-approved realtor to help you find and buy a home in the Jacksonville area, you can get up to thousands of dollars back at closing. Choose from dozens of certified local realty experts to help you navigate the home-buying process and save money doing it.