Home Mortgages

Jefferson Bank provides the flexibility you need when purchasing or refinancing a home.  Jefferson Bank offers loans that can meet almost every mortgage need, whether it's owning your first home, moving up, or just looking to access cash quickly using your home's equity.  We pride ourselves on personalized service, professionalism, and unsurpassed flexibility.

Fixed Rate Mortgages

  • Purchase and Refinance
  • Various Fixed Rate terms
  • Up to 100% Financing for Qualified buyers
  • Eligible properties: primary residence, second home, and investment property

Adjustable Rate Mortgages

  • Purchase and Refinance
  • Rates fixed for 1, 3, 5, or 7 years (Payments may increase after initial period)
  • Interest Only available
  • Eligible properties: primary residence, and second home

Reverse Mortgage

  • Borrowers must be at least 62
  • Access a portion of your home's equity
  • Use tax-free proceeds: supplement retirement cash flow, home repairs, secure a a cash reserve, or however you choose
  • Eligible property must be primary residence
  • No income or credit score qualifications

FHA/VA Mortgages

  • Purchase or Refinance
  • Little or no down payment required for Qualified buyers
  • Fixed Rate terms
  • Flexible income and credit guidelines for eligible veterans
  • Eligible properties: primary residence

Jumbo Mortgages

  • Purchase or Refinance
  • Loan amounts up to 2 million
  • Fixed Rate and Adjustable Rate terms
  • Eligible properties: primary residence, second home
  • Interest Only Available

Construction to Perm

  • 12 month construction period
  • Interest Only during the construction phase
  • Permanent rate set at completion
  • Eligible properties: single family detached, primary residence or second home

Why Jefferson Bank of Florida?

  • Experience you can trust
  • Competitive closing costs
  • Competitive interest rates
  • Prompt loan decisions
  • Personalized service
  • Appointments set around your busy schedule
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