Help with Your Home-Buying Journey

Personalized Mortgage Assistance

With all of the people involved in the home-buying process, it can feel overwhelming and lacking due care. That’s why 121 Financial Credit Union offers you the opportunity to work with our in-house Mortgage Loan Officer, Alisha Jones, who is committed to helping you find the absolute best loan product for your needs and budget. We offer our members a number of ways to save money on closing costs, such as using a locally approved realtor.

As Jacksonville’s hometown lender, we welcome the opportunity to bring simplicity and structure to your home-financing process.

Meet Your Representative

Alisha Jones

Office: 904-723-6300, ext: 3033


Alisha began her mortgage career in 2012 and brought her expertise to 121 Financial in 2019. Since her arrival, Alisha has streamlined the HELOC division of our mortgage department, while gaining the respect and trust of our members. She is well versed in many roles of loan origination, including processing, closing and funding. Her diverse perspective of loan operations allows her to act as a vital ally to our members throughout the application process. As a born and raised Jacksonville native, Alisha has watched Mandarin grow to Bartram, Argyle grow to Oakleaf, North Jacksonville grow to River City, Ponte Vedra Beach grow to Nocatee, and St. Johns Town Center grow to eTown. She understands Jacksonville’s increasing demand for housing, as well as our members’ desire to finance housing all throughout Florida.

As your dedicated home lending advisor, Alisha will ensure 121 Financial members have access to useful resources needed to secure a mortgage. She listens carefully and assesses the needs of our members to provide the most desirable and affordable financial outcomes. She treats every interaction with our members as a priority, from application to closing. It is her mission to exceed your expectations and simplify your process. She is excited to work with our members towards their housing goals!

View Alisha's TruHome Listing

Primary & Secondary Residence

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.

Types of Home Loans

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.

Jumbo Loans

We offer special pricing when your dream home exceeds the conventional loan limit.

Unique Loans

Ask us about our first-time homebuyer programs.

Instant Rate Quote


If you are looking for a shorter-term mortgage, ask us about our TimeSaver 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 or**

Mortgage Payment Calculator

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.

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?

  • You can pay off your home mortgage sooner by months—even years
  • You can pay a lower-interest rate on your home mortgage
  • You can reduce your monthly payments
  • You can reallocate your funds costly debt, including student loans, credit card balances and auto loans

When Should You Refinance?

  • Interest rates are lower today than when you started your home mortgage
  • Your home has dramatically appreciated in market value

How Can I Prepare to Refinance?

Familiarize yourself with your credit history

Collect your personal financial information

Talk with 121 Financial to learn about your home mortgage refinancing options 800.342.2352

“I finance my vehicle and all my loans through 121 Financial Credit Union for all the low rates! 121 Financial helps me save and manage my finances for a better and more secure future.”

- Ashley Lybarger