Provide Open, Honest and Transparent Communication
Brad will personally eliminate surprises by making sure you (and your real estate agent) know what is going on at each stage.
Educate You
Brad will lay out all of your options so that you can make the best decision for your needs.
Focus on Solutions
Brad asks the right questions to make sure everything is addressed and in place so your mortgage transaction proceeds smoothly.
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Expert Guidance

Unlock your dream home with Elite Lending Service.  Navigate the complexities with confidence. Your path to homeownership starts here.

Loan Process

Navigate the loan process with expert guidance from a skilled mortgage broker. Unlock your dream home and choose the trusted path with our mortgage broker services.

Home Buyers Guide

Discover your path to homeownership with our comprehensive Home Buyers Guide! Let an expert mortgage broker navigate you through the process.

Pre-approval Application

Get ahead in your home-buying journey with our pre-approval application. Trust Brad to ensure a smooth process from start to finish. Apply today!

We Will Find the Right Mortgage For You

Elite Lending Service, Inc. is your trusted Mortgage Broker in Jacksonville, Florida, owned and operated by Brad Bailey. Brad started in the mortgage business in 1997 and has since helped thousands of people obtain loans for their homes. With a background in wholesale mortgages, he has been exposed to nearly every obstacle to homeownership you can imagine—that experience is invaluable to helping him guide you through your home loan with confidence. Brad knows what underwriters want upfront, which helps him make the home loan process as painless as possible. Elite Lending Service is ready to help you streamline your home loan process with precision and professionalism.

Julie StoddardJulie Stoddard
19:53 05 Jun 23
We have worked with Brad at Elite Lending to purchase several investment properties, and he always gets us the best price and high quality service. His attention to detail makes the closing process so much easier. This year when we needed to close on our personal home, we worked with Brad again, and Brad provided extra service to make sure we could close smoothly and on time. We highly recommend Brad at Elite Lending Service.
Max SollischMax Sollisch
20:11 27 Jan 23
Brad is great at what he does. He helped my wife and I find a great lender and rate in a difficult marketplace. And was even there at closing to make sure the transaction went smoothly. I would recommend him highly to anyone in need of a good broker.
Renea BosticRenea Bostic
14:08 09 Feb 21
Brad was a wonderful and patient person to work with, it took almost a year to find my perfect home and Brad was there every step of the way answering all my questions and putting my fears to rest. I will definitely be calling Brad in the future!
Liam O'BrienLiam O'Brien
19:28 13 May 19
Brad did an amazing job with guiding us through the mortgage end of our home buying process, got us a great rate and made things so, so easy. We were impressed with his level of skill and attention to detail throughout the process. Everyone told us buying a home is stressful but Brad made sure we felt comfortable, understood what we were doing and answered all of our questions. I would HIGHLY recommend.

Trusted Mortgage Broker in Jacksonville, FL

Are you searching for the best mortgage rates in Jacksonville, FL? Look no further! Elite Lending Service is the trusted mortgage broker you need. With their expertise in real estate financing and personalized home loan advice, they can guide you through the homebuying journey with ease.

Key Takeaways:

  • Elite Lending Service is a top-rated mortgage broker in Jacksonville, FL.
  • They specialize in helping homebuyers find the best mortgage rates.
  • Their personalized home loan advice is tailored to your financial goals.
  • With their knowledge and extensive network, they provide access to a wide range of mortgage options.
  • Whether you’re a first-time homebuyer or looking to refinance, trust Elite Lending Service for a seamless mortgage process.

Why Jacksonville Homebuyers Trust Elite Lending Service

Jacksonville homebuyers trust Elite Lending Service for several reasons. One of the key factors is their local expertise and extensive market knowledge. Being based in Jacksonville, they have a deep understanding of the local real estate market, including neighborhood trends, property values, and mortgage options specific to the area. This knowledge allows them to provide personalized advice tailored to your needs and help you make informed decisions throughout the homebuying process. When working with Elite Lending Service, you can feel confident that you have a trusted mortgage broker on your side who truly understands the Jacksonville market.

Conventional Home Loan - Rates for Home Loans Florida - Mortgage Broker How To Choose the Right Mortgage Broker - Elite Lending Service - Home Loan

Finding the Right Mortgage Broker for Your Home Purchase

Finding the right mortgage broker is crucial when it comes to your home purchase. To ensure you make the best choice, consider the following factors.

First, look for a mortgage broker who offers a comprehensive range of services. They should provide assistance with pre-approval, loan applications, and have access to multiple lenders. This will enable you to have a wide selection of mortgage options to choose from, increasing your chances of finding the best fit for your needs.

Second, consider their experience and reputation in the industry. Reading online reviews and checking their credentials will give you valuable insights into their track record and customer satisfaction. Look for a mortgage broker with a proven history of successfully helping clients secure the financing they need for their home purchases.

Last but not least, pay attention to their communication style and responsiveness. Open and prompt communication is essential for smooth transactions and timely updates throughout the homebuying process. Choose a mortgage broker who listens to your needs, keeps you informed every step of the way, and promptly addresses any concerns or questions you may have.

By carefully considering these factors, you can find the right mortgage broker who will guide you through the homebuying process and help you secure the financing that best fits your requirements.

The Benefits of Working with a Mortgage Broker

Working with a mortgage broker offers numerous benefits. One of the key advantages is access to expert advice. Mortgage brokers, like Elite Lending Service, are knowledgeable professionals who understand the complexities of the mortgage industry. They can provide guidance on navigating through different loan options, explain the terms and conditions associated with each mortgage product, and help you select the one that best fits your financial situation.

Additionally, mortgage brokers offer personalized solutions tailored to your specific needs. They take the time to understand your goals and financial circumstances, allowing them to recommend mortgage options that align with your requirements. With a mortgage broker by your side, you can have peace of mind knowing you have an experienced professional advocating for your best interests.

Mortgage Broker: Your Partner in Home Financing

A mortgage broker serves as your partner in home financing, simplifying the loan application process and providing you with distinct advantages. One of the key benefits is a streamlined application process. Mortgage brokers like Elite Lending Service have established relationships with multiple lenders, allowing them to efficiently gather and compile all the necessary documents for your loan application. They handle the paperwork, ensure everything is complete and accurate, and submit it on your behalf, saving you time and effort.

Additionally, a mortgage broker’s access to multiple lenders gives them negotiation power. They can compare offers from different lenders, negotiate on your behalf, and secure competitive rates and terms. By leveraging their relationships with lenders, mortgage brokers can often obtain more favorable loan terms than if you were to approach lenders individually.

Steps to Take When You Want to Refinance Your Home

When you’re considering refinancing your home, it’s important to approach it strategically. By following a few key steps, you can ensure that you make informed decisions that align with your financial goals.

The first step is to assess your financial objectives and determine if refinancing is the right choice for you. Consider factors such as reducing your monthly payments, shortening the loan term, or accessing cash by cashing out your home equity. Evaluating your financial goals will help you determine if refinancing is the best option to achieve them.

Next, it’s crucial to evaluate your eligibility for refinancing. Take a look at your credit score, income, and current home equity. This assessment will give you an understanding of the loan options available to you. By reviewing these factors, you can determine if you meet the requirements set by lenders.

Once you have a clear understanding of your goals and eligibility, it’s time to compare mortgage rates from different lenders. Shop around to find the most competitive offer that suits your needs. Keep in mind that lower interest rates can lead to significant savings over time, so it’s worth investing some time in finding the best option.

Finally, consulting with a trusted mortgage broker, like Elite Lending Service, can provide you with personalized advice and guidance throughout the refinancing process. A mortgage broker will help you navigate the complexities of refinancing, ensuring that you obtain the best terms and rates for your refinance. Their expertise and industry knowledge can be invaluable in helping you achieve your refinancing goals.

Rates for Home Loans Florida - Qualifying Rate - Elite Lending Service - Home Loan


What services does a mortgage broker provide?

A mortgage broker offers a range of services, including pre-approval assistance, loan application guidance, access to multiple lenders, and personalized mortgage options tailored to your needs.

How can I find a trusted mortgage broker?

To find a trusted mortgage broker, consider factors such as their range of services, experience and reputation in the industry, and their communication style. Reading online reviews and checking credentials can also provide insights into their track record and customer satisfaction.

Why should I work with a mortgage broker?

Working with a mortgage broker offers several benefits, including access to expert advice, personalized solutions, and the convenience of having a knowledgeable professional handle the loan application process on your behalf.

What advantages does a mortgage broker have in negotiating loan terms?

A mortgage broker has access to multiple lenders and can compare offers, negotiate on your behalf, and secure competitive rates and terms. Their relationships with lenders give them negotiation power, often resulting in more favorable loan terms than if you were to approach lenders individually.

What steps should I take when refinancing my home?

When refinancing your home, start by assessing your financial goals and eligibility. Next, compare mortgage rates from different lenders to find the most competitive offer. Finally, consult with a mortgage broker who can guide you through the refinancing process, provide personalized advice, and help you obtain the best terms and rates for your refinance.

Loan Programs

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