Whether you're buying your first home, upgrading, or refinancing, I offer a full range of loan programs tailored to your unique situation.
Conventional Loans
Flexible options for qualified borrowers — from 97% financing to jumbo loans — with competitive rates and terms that fit your budget.
3% down payment options
No PMI with 20% down
Fixed & adjustable rates
FHA Loans
Government-backed loans perfect for first-time buyers — lower credit scores and minimal down payments make homeownership accessible.
3.5% down payment
Flexible credit requirements
Assumable loan option
VA Loans
Exclusive benefits for veterans and active-duty service members — zero down payment, no PMI, and some of the best rates available.
0% down payment
No mortgage insurance
Competitive interest rates
Jumbo Loans
Financing for luxury and high-value properties that exceed conventional conforming loan limits — with flexible terms for discerning buyers.
Above-conforming limits
Competitive pricing
Customized solutions
Refinancing
Lower your rate, shorten your term, or cash out your equity — I'll analyze your options and find the refinance strategy that saves you money.
Rate & term refinancing
Cash-out options
Break-even analysis
Construction Loans
Build your dream home with a construction-to-permanent loan — one close, one set of closing costs, and a seamless transition to your permanent mortgage.
Single-close option
Built-in rate lock
Expert builder coordination
15+
Years of Experience
About Kevin
A local lender who actually cares
I'm Kevin Ebbecke, and I've spent over a decade helping Jacksonville families navigate the mortgage process with confidence and clarity. Living here myself, I understand the local market — from the Riverside bungalows to the St. Johns new builds.
At Guaranteed Rate, one of the nation's largest mortgage lenders, I have access to competitive rates and a wide array of loan programs. But what really sets me apart is my personal investment in every client's success — this isn't just a transaction, it's your future.
The mortgage process doesn't have to be overwhelming. Here's what working with me looks like.
01
Pre-Approval
We start with a conversation about your goals, budget, and timeline. I'll pull your numbers and get you a solid pre-approval — fast.
02
Loan Program
Not all loans are created equal. I'll match you with the program that truly fits your situation — no upselling, just the right fit.
03
Processing
Once you have an offer, I handle the paperwork, coordinate with your agent, and keep you updated at every step — no surprises.
04
Closing Day
You'll know your closing cost estimate upfront. On closing day, I'm there to answer questions and make sure everything goes smoothly.
Client Stories
What my clients say
I let my clients' experiences speak for themselves.
"Kevin made what I thought would be a stressful experience feel completely manageable. He explained every step, answered all my questions, and got me a rate I was thrilled with."
M
First-Time Buyer
Jacksonville, FL
"We refinanced our home with Kevin and saved hundreds every month. His attention to detail and communication throughout the entire process was outstanding."
R
Refinance Client
Neptune Beach, FL
"As a veteran, I knew VA loans were great — but Kevin made the whole process effortless. He knew exactly what I needed and got me into my dream home faster than I expected."
D
VA Loan Client
Jacksonville, FL
Get in Touch
Ready to make your move?
Whether you have questions or you're ready to apply, I'm here to help. Reach out and let's start the conversation — there's no pressure, just honest advice.
