Promise Mortgage

Powered by Barrett Financial Group

“People want to work with people who care... and that's us" – Jonathan Torres

Promise Mortgage is a trusted team of mortgage brokers in Jacksonville, Florida, helping clients secure the right home loan with clarity and confidence. Our promise is to provide an exceptional and enjoyable experience for all of our clients. This isn't one transaction for us. We are your financial mortgage advisors for life!

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FREE CONSULTATION

WE ARE YOUR ONE STOP SHOP

Our experienced mortgage brokers in Jacksonville guide you through VA loans, FHA loans, conventional loans, and investment financing with clear direction and reliable support. From pre-approval to closing, we make the entire process simple, efficient, and focused on helping you secure the right loan with confidence.

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Work with the Best

After years of building relationships, it's our job to make sure you work with the best in the industry from Realtors to title companies. We are here to set you up for success.

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Get Great Rates

Feel confident that you are getting the best mortgage rates in Jacksonville, Florida. We are able to shop from 40+ wholesale mortgage lenders to make sure you are getting great rates.

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Credit Repair + Real Estate Investment Advice

If you don't qualify for the best rates. We'll put you on a strategic action plan to ensure the best rates are in your near future. As an avid investor, Jonathan helps coach his clients free of charge. He'll evaluate properties with you to ensure a great investment.

LOAN PROGRAMS

Convectional Loans
VA Loans
FHA Loans
USDA Home Loans
Bank Statement Loan
DSCR Loan
ITIN Loan
Jumbo Loan
Vacant Land
Conventional loans are traditional mortgage options that are not backed by a government agency, making them a strong choice for borrowers with good credit, steady income, and a solid financial profile. These loans often come with competitive interest rates and flexible terms, suitable for primary homes, second properties, and even investment purchases. Promise Mortgage helps clients in Jacksonville, Florida navigate the conventional loan process with clarity, offering guidance from pre-approval through closing while working to secure favorable terms that align with your financial goals.

VA loans are government-backed mortgages available to eligible veterans, active-duty service members, and certain military spouses. They offer valuable benefits such as no down payment requirements and no private mortgage insurance, making homeownership more accessible. Promise Mortgage works closely with qualified buyers in Jacksonville, Florida to simplify the VA loan process, ensuring all eligibility requirements are met while helping secure a mortgage that takes full advantage of these earned benefits.

FHA loans are backed by the Federal Housing Administration and are designed to support buyers who may have lower credit scores or limited savings for a down payment. With more flexible qualification standards, these loans are a popular option for first-time homebuyers. Promise Mortgage assists clients in Jacksonville, Florida by making the FHA loan process straightforward, providing clear explanations and helping secure an affordable loan that fits your budget.
Bank statement loans are ideal for self-employed individuals or borrowers with non-traditional income who may not qualify using standard tax documentation. Instead of W-2s, lenders review bank statements to assess income and repayment ability. Promise Mortgage helps self-employed clients in Jacksonville, Florida present their financials effectively, making it easier to qualify for a mortgage that reflects their true income and supports their homeownership plans.
DSCR loans, or Debt Service Coverage Ratio loans, are designed for real estate investors and focus on the income generated by a property rather than personal income. This makes them a practical option for those looking to grow their rental portfolio. Promise Mortgage supports investors in Jacksonville, Florida by structuring DSCR loans that prioritize cash flow, helping make property acquisition and refinancing more efficient and aligned with investment goals.
ITIN loans provide financing options for individuals who do not have a Social Security number but file taxes using an Individual Taxpayer Identification Number. These loans open the door to homeownership for many non-U.S. citizens. Promise Mortgage works with clients in Jacksonville, Florida to guide them through the ITIN loan process, helping them understand requirements and secure financing that allows them to invest in a home.
Jumbo loans are used to finance higher-priced properties that exceed standard conforming loan limits. These loans typically require strong credit, higher income, and larger down payments due to the increased loan amount. Promise Mortgage assists qualified buyers in Jacksonville, Florida in securing jumbo loan financing, offering tailored solutions for luxury homes and high-value real estate purchases.
Vacant land loans are designed for purchasing undeveloped property, whether for future construction, investment, or long-term planning. These loans often have unique qualification requirements compared to traditional mortgages. Promise Mortgage helps clients in Jacksonville, Florida explore vacant land financing options, guiding them through the process so they can confidently move forward with their plans for land ownership and development.

Expert Mortgage Brokers in Jacksonville, Florida

At Promise Mortgage, we provide tailored lending solutions designed to meet the needs of homebuyers, homeowners, and investors. As experienced mortgage brokers in Jacksonville, Florida, we offer a wide range of loan programs including VA loans, FHA loans, conventional loans, USDA loans, and down payment assistance options. Our mortgage advisors take the time to understand your financial goals, guiding you through every step from pre-approval to closing with clear communication and reliable support.

In addition to traditional home loans, we specialize in advanced financing solutions for investors and property owners. Our services include DSCR loans, hard money loans, fix and flip loans, construction loans, and HELOCs. We work with leading mortgage lenders in Jacksonville, Florida, focusing on delivering flexible options, the best possible mortgage rates, and efficient closings. Whether you are purchasing, refinancing, or expanding your portfolio, our team is committed to helping you move forward with confidence.

We proudly serve homebuyers, homeowners, and investors throughout Jacksonville, Florida and surrounding areas, including Atlantic Beach, Neptune Beach, Jacksonville Beach, Ponte Vedra Beach, Ponte Vedra, St. Johns County, Duval County, St. Augustine, Fernandina Beach, Amelia Island and beyond.

SUCCESS IS DRIVEN BY WORKING WITH THE RIGHT PEOPLE

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Promise Mortgage Mortgage Brokers Jacksonville, Florida

“Built on strategy. Driven by service. Committed to every client.”

Promise Mortgage Mortgage Brokers Jacksonville, Florida

PROFESSIONAL. DEPENDABLE. TRUSTWORTHY.

Promise Mortgage stands out among mortgage brokers in Jacksonville, Florida by offering personalized service, consistent communication, and dependable results. Our team is dedicated to making the loan process simple while delivering financing solutions tailored to each client. With a strong focus on efficiency and transparency, we help you secure the right mortgage with confidence.
Reviews

Blogs and Articles

What is a Non QM Loan?

January 20, 2023

A Non-Qualified Mortgage (Non-QM) loan is a type of mortgage that does not meet the standards set by the Consumer Financial Protection Bureau (CFPB) for

Read More »

What is a Jumbo Mortgage?

January 20, 2023

A jumbo loan, also known as a non-conforming loan, is a type of mortgage that exceeds the conforming loan limits set by government-sponsored enterprises (GSEs)

Read More »
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WE ARE EXPANDING OUR FOOTPRINT!

We are growing our company and are actively seeking new team members and partners to drive our multi-state expansion.
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Mortgage Broker
Jonathan Torres

Atlantic Beach, FL 32233
NMLS#1994043
Phone: 518-368-0090

Serving: Jacksonville, Florida and beyond

Barrett Financial

275 E Rivulon Blvd, Suite 200, Gilbert, AZ 85297
NMLS#181106
Phone: 480-459-4500

Jonathan Torres | NMLS #1994043 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | AL 22977 | CT ML-181106 | FL MLD1880 | GA 181106 | MA MC181106 & MC181106 | MI fl0022342 | MT 181106 | NC B-203722 | ND MB103863 | OH RM.804600.000| OR | TN 204577 | TX view complaint policy at www.barrettfinancial.com/texas-complaint | Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106