We have bought and sold quite a few properties and always cringe about the mortgage process…read more Michael Gayda and PrimeLending changed our entire attitude about mortgages. This was by far the most smooth process we have ever gone through for obtaining a mortgage. You even get weekly updates on the status of your loan via your preferred method of communication (ours was email & text). Michael Gayda was so helpful and extremely responsive. We really felt he cared and was looking after our best interests. His entire team is amazing. Michael Gayda/ PrimeLending will absolutely be our go to for future transactions. They set the bar for how mortgage companies should treat customers.

AMAZING. Mr. Gayda is very efficient and will always be available to answer your questions. He made…read morethe process of purchasing a home and also a refinance very easy and quick. Not only is he great at what he does but he is also a great person. I would use his services again and again. I have referred multiple friends his direction and they all had amazing service.

Your ENTIRE team was great from start to finish. My loan officer was brilliant and extremely…read moreaccommodating. When shopping around for houses, you and your team were always willing to provide a clear picture of where the houses stood financially and this was instrumental in helping me narrow down what worked and what didn't. You guys exceeded our expectations and we would HIGHLY recommend The Heckman Group!

From the owner: $15,000 Down Payment Assistance $2,000/yr Tax Credit…read more$500 Community Heroes Credit We handle FHA, Conventional, VA, & USDA mortgages. Ask us about Offer Accepted and the $2000 per year Mortgage Credit Certificate program

She and her team stepped in quickly during a challenging situation when time was limited. Their…read morecommunication was consistent, and they coordinated the mortgage process efficiently while providing valuable options

From the owner: With over 20 years of mortgage experience, I help buyers and homeowners throughout Nassau County,…read moreFL, Amelia Island, FL, Fernandina Beach, FL, and the greater Jacksonville area secure smart, reliable home financing. I am a local mortgage expert who believes clear communication and education matter just as much as competitive rates. I work with a wide range of loan programs including conventional, FHA, VA, USDA, jumbo, self employed borrowers, bank statement loans, asset depletion, investment property financing, DSCR, and other creative solutions for buyers who may not fit inside a traditional box. If there is a responsible way to structure a loan, I will find it. What sets me apart is accessibility, honesty, and follow through. I answer my phone. I explain options in plain English. I do not over promise just to win a deal. My focus is smooth closings, confident clients, and long term relationships built on trust and results. Many of my clients come from repeat business and referrals, which I consider the greatest compliment in this industry. Whether you are a first time home buyer, refinancing to lower your payment, purchasing an investment property, or a real estate professional looking for a reliable lending partner in Northeast Florida, I am here to help you win. If you want a lender who knows the local market, fights for smart solutions, and treats your loan like it matters, let’s talk.

We were out of state buyers in one of the most competitive markets I have experienced. From the…read moremoment I contacted Jessica, it was like I was her only client. She is truly dedicated to anyone that she works with. Without a doubt, all of her clients are her #1 priority. Jessica and her team processed my application and got my pre-approval letter to my agent on the same day! Due to the extremely competitive market we were dealing with, we had to put multiple offers on homes before our offer was finally accepted. Jessica and her team never skipped a beat! Interest rates were also climbing during this time, which of course concerned us. Jessica explained every option and answered every question to ensure we made the right decision on our loan. I cannot express just how much Jessica and her team went above and beyond! Prior to working with her, I never realized how important it was to choose a lender that truly cares about you. I got that and more from Jessica and her team! Thank you for the incredible experience!!

Always a great experience when working with Nathan at North Star. I will never use another mortgage…read morecompany.

I have worked with Nathan Young of North Star Mortgage for over 10 years, and he has successfully…read morehandled several loans for my homebuyers as well as my own personal mortgage. Throughout every transaction, Nathan has consistently demonstrated exceptional professionalism, knowledge, communication, and dedication to his clients. He goes above and beyond to ensure a smooth lending process and always delivers outstanding service. In my experience, he is truly one of the best mortgage professionals in the business, and I would highly recommend him to anyone seeking a trusted lending partner.

Exceptional Team Service Before, During and After the Loan…read more My Realtor, Rene Hartzell, was the individual who suggested I work with David Wakefield at Prime Lending. I spoke with David over the course of several months while I was selling my existing home, and looking to buy a new home. He was always available, day or night, to help explain in detail all of the loan scenarios with different down payment percentages and loan terms. David helped me secure a conventional loan that would also allow me to remodel the home. There are not many lenders out there that offer a wide variety of home remodel loans, but Prime Lending has several available. David worked with me to find the one that would fit my needs and budget. Getting through the remodel loan process is a lengthy process. You have to do a lot of work to get the contractor in place, but David and his team (Rachel Cloud and David Kraft...amazing) could not have been more patient with me during this entire process. His entire team was very responsive, helpful, understanding and knowledgeable. I cannot say enough about the entire process and David Wakefield. I would definitely recommend them to anyone looking for a lender.

My experience with Mr. Wakefield was nothing short of amazing! I came in with no knowledge of the…read moreprocess as this is my first home purchase and also with a very quick closing date. He was there to answer any of my questions and even has custom videos that answer frequent questions you may have. I also worked with Jessica in his office who was extremely quick at answering my emails and the sweetest and most patient with all my questions. Overall what a truly amazing experience and he made the home buying purchase fun and not stressful!!

I enjoy working for this company. We have an awesome broker (James Angelo) who always makes himself…read moreavailable to help his agents. Special thanks to Doug, Stephanie and Tani for always being there to help me with my many questions. :) I'm really enjoying the Bootcamp with Bernard Diggs - Great class so far!

For whatever reason, this business got ahold of my mailing address and repeatedly sends me large…read moremagazines, clogging up my mailbox. I have asked to be removed multiple times but they still persist.