FREEMAN DOUGLAS | NORTHEAST FLORIDA
Mortgage Broker Service Areas in Northeast Florida
Douglas Wilkerson, Marine Corps veteran and Mortgage Broker at Edge Home Finance (NMLS #1680719), serves homebuyers in Jacksonville, Jacksonville Beach, Ponte Vedra Beach, St. Johns County, Clay County and Nassau County — with more than 200 lenders competing for your file. Call (904) 517-4049.
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Freeman Douglas Corp is a veteran-owned mortgage brokerage based in Jacksonville Beach, Florida, and Douglas Wilkerson, Marine Corps veteran and Mortgage Broker at Edge Home Finance (NMLS #1680719), serves homebuyers across Northeast Florida with more than 200 wholesale lenders. That means one local point of contact, real answers about what you can borrow, and a file shopped to the lender most likely to approve it on time. Call Douglas directly at (904) 517-4049, or start with the full range of mortgage programs and the mortgage calculators to test payments before you make an offer.
Jacksonville
Jacksonville is the largest city in Northeast Florida, and its neighborhoods range from historic Riverside and Avondale to fast-growing suburbs on the Southside and Westside. Prices, property types and loan programs vary widely across the city, so a local broker who knows the difference between a condo downtown and new construction on the outskirts is worth having on your side. See the Jacksonville mortgage broker page for VA, FHA, USDA and conventional options in the city.
Jacksonville Beach
Jacksonville Beach is home base for Freeman Douglas Corp, at 1548 The Greens Way, Suite 4, and it is a market of beach cottages, condos and family homes within walking distance of the ocean. Coastal properties bring their own questions about flood zones, insurance and condo associations, and Douglas answers them in plain English before you write an offer. Learn more on the Jacksonville Beach mortgage broker page.
Ponte Vedra Beach
Ponte Vedra Beach is known for golf communities, planned neighborhoods and higher-end homes, and buyers here often need jumbo or conventional financing with careful attention to reserves and appraisal. Whether you are buying a primary home, a second home or relocating for work, Douglas compares lenders rather than pushing one bank's menu. Visit the Ponte Vedra Beach mortgage broker page to start.
St. Johns County
St. Johns County, including St. Augustine and the fast-growing communities along the coast and inland, draws families for its schools, new construction and quality of life. New builds bring timing questions about builder contracts, rate locks and completion dates, and Douglas coordinates with your builder and agent so the financing keeps pace. See the St. Johns County mortgage broker page for local guidance.
Clay County
Clay County, including Orange Park and Fleming Island, offers larger lots, family neighborhoods and a shorter commute than many buyers expect, and it is a strong market for VA and USDA buyers as well as conventional borrowers. USDA eligibility extends across much of the county, which can mean $0 down for qualified buyers. Learn more on the Clay County mortgage broker page.
Nassau County
Nassau County, from Fernandina Beach and Amelia Island to Yulee, blends historic homes, second homes and fast-growing new construction, with USDA $0-down eligibility across much of the county. Second-home and investment financing on Amelia Island follows different rules than a primary residence, and Douglas will be straight about which structure fits your plans. Visit the Nassau County mortgage broker page.
Neighborhood Guides
Buying in a specific neighborhood? Each guide covers homes, schools, safety and market trends for that community.
Jacksonville: Mandarin, Riverside & Avondale, San Marco, Southside, Arlington, Murray Hill, Springfield.
Jacksonville Beach area: Atlantic Beach, Neptune Beach.
St. Johns County: Nocatee, St. Augustine.
Clay County: Orange Park, Fleming Island, Middleburg, Green Cove Springs.
Nassau County: Fernandina Beach.
Wherever you are buying in Northeast Florida, the process is the same: one conversation, a plain-English answer about what you can borrow, and a lender comparison from more than 200 partners. And if you are buying elsewhere in the state, Douglas serves borrowers across all of Florida — call (904) 517-4049 and ask.
Frequently asked questions
Which areas does Freeman Douglas serve?
Jacksonville, Jacksonville Beach, Ponte Vedra Beach, St. Johns County, Clay County and Nassau County, and borrowers across all of Florida. The office is in Jacksonville Beach, and Douglas answers his own phone.
Do I have to live in Jacksonville Beach to use this broker?
No. Most of the work is done by phone and online, and Douglas regularly helps buyers across Northeast Florida and the rest of the state, including relocating veterans and active-duty families.
Can you help with VA loans in every service area?
Yes. VA loans are available to eligible veterans and active-duty borrowers statewide, with $0 down and no monthly mortgage insurance, and Douglas is a Marine Corps veteran who understands PCS moves and VA entitlement.
Is USDA $0 down available outside Nassau and Clay counties?
USDA eligibility is address-specific, not county-wide. Many addresses in Clay, Nassau and St. Johns counties qualify, but Douglas checks your exact address against the USDA map before you assume anything.
What if I am buying a second home or investment property?
Second-home and investment financing follow different down-payment, reserve and rental rules than a primary residence. Tell Douglas your plans up front so the file is structured correctly from the start.
How do I start?
Call Douglas Wilkerson at (904) 517-4049 with a price range, a target area and a sense of your down payment, and he will give you a plain-English answer about what you can borrow and what to do next.
Ready to buy in Northeast Florida?
Talk to a local broker who knows Jacksonville, the beaches and the surrounding counties — and who has 200 lenders to shop for you. Call (904) 517-4049 today.
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Mortgage services are provided by Douglas Wilkerson, Branch Manager and Mortgage Broker with Edge Home Finance Corporation. Loan programs, rates, eligibility, underwriting guidelines and availability are subject to change. All applications are subject to credit review, verification, property eligibility, applicable underwriting requirements and final approval. This website does not constitute a commitment to lend or a guarantee of financing.