There are several programs available to assist those wishing to own a Jacksonville Florida home who might now qualify for a regular loan. The Federal Housing Authority (FHA) and the Department of Veteran Affairs (VA) have loans with lower qualifying rations than conventional loans. They often require a smaller or no down payment. The FHA and VA loans are not issued by the government, but by private lenders. Any U.S citizen may apply for the Federal Housing Authority, but Veterans Affairs loans are for veterans or their spouses and certain government employees.

Conventional loans are loans offered by a traditional private North Florida lenders. They may be fixed-rate, adjustable, hybrid, or a number of other types. Conventional loans may be more difficult to qualify than government-backed loans. They typically require less paperwork and do not have a maximum allowable amount.  There are various financial institutions that offer conventional loans.