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Northeast Florida · FloridaMortgage lender in Duval County, FL
Yes. Stellar Mortgage Corporation, NMLS #2190975, is licensed in Florida and makes purchase and refinance loans in Duval County: conventional, FHA, VA, USDA, jumbo and non-QM. Steve Umansky, NMLS #61764, is our licensed loan officer for Florida. For 2026 the one-unit conforming loan limit here is $832,750 and the FHA limit is $580,750.
Reviewed by Steve Umansky, Sr. Branch Manager, NMLS #61764,
Buying in Duval County
Duval County is consolidated with the City of Jacksonville, its county seat, and also includes Jacksonville Beach, Atlantic Beach, Neptune Beach and Baldwin. Duval County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in Florida, from our Southampton, PA office.
- 2026 conforming limit
- $832,750
- 2026 FHA limit
- $580,750 (one-unit, set by HUD)
- Above the conforming limit
- Jumbo pricing
- Closing commonly handled by
- title company
- State housing agency
- Florida Housing Finance Corporation (general information; not a participating lender)
- Your officer
- Steve Umansky, NMLS #61764
2026 limits for a one-unit property. Duval County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.
Duval County: Jacksonville and two Navy bases
Naval Air Station Jacksonville and Naval Station Mayport make this one of Florida’s largest military markets. VA loans are a large share of purchases, often on orders with a fixed report date, so we request the Certificate of Eligibility at once.
Jacksonville covers a very large area, from older neighborhoods such as Riverside, Avondale and San Marco along the St. Johns River to newer subdivisions on the Southside, the Northside and the Westside. Along the river, the Intracoastal Waterway and at the beaches, many properties are in a mapped flood zone, so the flood determination comes first. Prices are moderate compared with South Florida.
Duval County by the numbers
- Median home value
- $303,500 (Census Bureau, ACS 2020–2024, table B25077)
- Typical property tax
- About 0.75% of home value a year: median tax bill $2,264 on a median value of $303,500 (Census Bureau, ACS 2020–2024, table B25103)
- Transfer tax
- Documentary stamp tax of 70 cents per $100 of the price (Florida Department of Revenue, documentary stamp tax)
- Largest communities
- Jacksonville, Jacksonville Beach, Atlantic Beach, Neptune Beach (Census Bureau, ACS 2020–2024, table B01003)
The county median home value is $303,500. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $580,750.
Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.
Closing and programs in Florida
Closings in Florida are typically handled by a title company. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Florida page. Property taxes are set locally; we take the figure from the tax record for the address.
Questions Duval County buyers ask
Does Stellar Mortgage lend in Duval County, FL?
Yes. Stellar Mortgage Corporation, NMLS #2190975, is licensed in Florida and makes purchase and refinance loans in Duval County: conventional, FHA, VA, USDA, jumbo and non-QM. Steve Umansky, NMLS #61764, is our licensed loan officer for Florida and works Florida files from our Southampton, PA office by phone, secure portal and e-signature.
What are the 2026 loan limits in Duval County?
For 2026 the conforming loan limit for a one-unit home in Duval County is $832,750 and the FHA limit is $580,750. Duval County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Limits for two- to four-unit properties are higher.
Is there down payment help for buyers in Duval County?
The Florida Housing Finance Corporation runs Florida’s homebuyer programs, which can include help with the down payment and closing costs for buyers who meet its income and price limits. Stellar Mortgage is not a participating lender for those programs, so this is general information; the agency’s website lists participating lenders.
Who pays the transfer tax in Duval County?
The documentary stamp tax on a deed is 70 cents per $100 of the price in every county except Miami-Dade, where it is 60 cents per $100 plus a surtax that does not apply to a single-family home. All parties to the deed are legally liable; the contract says who pays.
Limits shown are the 2026 FHFA and HUD figures for Duval County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.
Get pre-approved in Duval County
Three quick steps, about a minute. No Social Security number, no pay stubs. Steve calls you back, usually the same business day.
Equal Housing Lender · NMLS #2190975 4.94★ · 1,361 verified reviews on Experience.com
“You were always professional, responsive, patient, and helpful, and you made what could have been a stressful process feel smooth and easy.”Yelda A., North Wales, PA · verified review on Experience.com
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