Jacksonvillemortgage.com is the home of David MacInnes, Vice President of Beachside Mortgage Services, a Licensed Mortgage Brokerage Business in Atlantic Beach, FL. His primary lending market is the Jacksonville Beaches area, consisting of Ponte Vedra Beach, Jacksonville Beach, Neptune Beach, and Atlantic Beach, and he also serves most of Northeast Florida, including Jacksonville, St. Augustine, Orange Park, and beyond.  He has arranged financing for the purchase or refinance of residential property anywhere within the State of Florida.  David's mission is to consistently provide a full array of real estate-driven loans, which are designed to meet the needs of families and individuals throughout our trade area and the State of Florida.  He will work diligently to provide the best in personal service while remaining competitive with regard to interest rates and loan fees.  David MacInnes will set the standard for solutions, service, and tailored products.

What He Does:
David originates mortgage loans primarily through personal referral from local real estate agents, past customers, and personal relationships, developed within the North Florida community.  Because he does not operate a mortgage factory like the larger banks and retail mortgage companies; each and every loan is of the utmost importance.  Each mortgage loan applicant has one primary contact; their mortgage loan professional.  Having stated that, it is also important to know he has the experience to close loans, not just originating applications. David MacInnes has 24 years experience in the mortgage lending field and stands ready to use that experience to assist his clients in finding the best mortgage financing available for their situation.

How He Does It:
When applying for a mortgage loan, he first determines his client’s goals and objectives. Is this the house they will live in for 20 or 30 years? Are they likely to be transferred or move in a few years? What is their tolerance for Adjustable Rate Mortgages?  Does it make sense to refinance, or would a second mortgage solve the problem at a lower total cost? With knowledge and experience, and a few pertinent questions, he can tailor a mortgage loan (or loans), that meets the applicant’s needs, at the lowest cost, and within the time frame required.

Most applicants fit into the conforming conventional mortgage loan category (these are the loans with the lowest, most competitive interest rates); however, for those who are not in this category, VA mortgage loans, portfolio loans, and other non-conforming loans are available. Correspondent lenders work with David to approve and close almost every loan originated. Within a few hours of application, a loan can be approved with one of his correspondents, or if not approved, David will have a handle on how to package the loan to receive an approval with a different correspondent or under a different program. In instances where he cannot help an applicant, or the application requires "massaging," the applicant is informed immediately.  David believes the keys to business success and survival are found in customer service . . . and you will find competent, experienced, and friendly customer service through JacksonvilleMortgage.com.

EQUAL OPPORTUNITY LENDER
We Do Business in Accordance With the Federal Fair Housing Law
(Title VIII of the Civil Rights Act of 1968, as Amended by the Fair Housing Amendment Act of 1988)

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