I worked with Melissa in buying my first home in late October through Nov 26 when I closed. Melissa was so great. She walked me through the process step by step and took all my calls and any time of day to answer all of my many many questions. Melissa is good at what she does, she knows all the ins and outs of the process and will make sure you get all the info you need to close on your loan. If it weren't for Melissa we would not have closed on time due to some forms we were waiting on from the builder. Melissa Called, emailed, texted, called again until they got us the forms we needed. At 9pm two days before closing she was working to get me and my children into our home. I would HIGHLY recommend Melissa to anyone who is looking to get a mortgage or refinance their homes, she will make the process actually enjoyable! read more

Our experience could not have been any better. We already own a home that we built (we as in my wife). The process of getting pre-qualified and going thru the loan process was seamless. Ben Cooper helped us tremendously navigate these waters. We found him to be extremely knowledgeable, pro-active, attentive, professional and all wrapped up in a relaxed personality that wasn't pushy or came across as "sale oriented". I'm sure he has a lot going on at all times but we felt as though we were a priority to him, checking in on us to see if we had any questions along the way, and boy did I have questions. I will and have recommended Ben Cooper with Future Home Loans to everyone. Such a great and quick experience! Ben, thanks again for all of your hard work, we love our home already! read more

5 stars for Melissa B! She could not have made the process any smoother and stress-free, and we could not be more thankful to have had the opportunity to work with such an amazing and caring individual (as opposed to a big bank who we would have just been another number to). Melissa is a genuine person who made us feel like a priority and as if we were her only clients, even though we were not! She is a dedicated, hard worker, who goes above and beyond to get the job done in a timely manner and exceeded all of our expectations, keeping us in the loop throughout the entire process. She has since become not only our lender but a friend. Choose Melissa and Future Home Loans for all of your lending needs, I promise you will not be let down once! THANK YOU, MELISSA! -Ava and Mario read more

I have had the pleasure of working with this team with several clients. As a full time realtor for 14 years (& previous loan officer) I know what a smooth process looks like. They have given us excellent rates, service all while low closing costs & quick closings. I love that they are Veteran owned and operated, being in Jax I see many companies "Claiming" they are veteran specialist when in fact this is typically just a cash grab. These guys really go the extra mile to help explain the lending process from one veterans perspective to another with out charging a ton of fee's. I always encourage my clients to shop as it can save you thousands of dollars over the life of your loan. Give the FHL team a shot at your business. read more

I would 100% use Phillip from Future Home Loans for my next home loan. Professional, kind and extremely patient and knowledgeable. Phillip made my first home buying experience a breeze. He helped tackle any small obstacles that needed clearing up and made sure every i was dotted and every t was crossed. This business is also for the Vets. With pride, I highly recommend Phillip and FHL and also my wonderful realtor Jen Bosanko at Yellow Fin. Together, the two sold my husband and I a slice of heaven. At night we can put our heads down on our pillows and smile. High Five guys! Thanks for making this process a fast and stressless process. Quick and with ease right into our new beaches home. Thanks again!!! read more

My husband and I worked with Cara in our cross-country move from CA. If you've ever moved and bought a house, you know how stressful it can be, especially with such a distance! Cara and her team were completely amazing. She was always on top of every thing, all documents, numbers were accurate and she was very communicative. We never once felt in the dark or worried that we didn't know all our options. She educated us and kept us in the loop. She worked seamlessly with the other players (like our Realitor MaryAnne at Root Reality) to make the whole move as easy as possible. We're a military family who have lots of friends coming and going from Jax and we refer all of them to Cara! Thank you! read more

I found Ben a few months ago when I started house shopping. I had looked at a few lenders and i got extremely generic responses (USAA, NFCU, BofA, WF etc...). However, once I reached out to Ben it was more like talking to a human than a bank. He listened to what we were saying, looked at all of our finances and even helped us lock in a rate when rates were on the rise. He's also local to our area and understands the city and knew things to look for when it came to our financing and working on a specific issue we had with a dual closing necessity in order to get the financing through the VA we required to close on our new house. I would recommend Ben to anyone. read more

Ryan Vickers from Jacksonville Beach, FL This was my first time buying a home and having Phillip on my side was the best decision I made in the process. He was always immediately available to answer questions and spent numerous hours with my guiding my through the process. Phillip worked hard to get me the best possible rate and received a lower monthly payment because of his hard work. Throughout this process he has made it personal and we have become friends. I would recommend Phillip to anyone looking to make the most out of the home buying process. Thanks Phillip and Future Home Loans LOAN STATUS Closed Nov 2018 LOAN TYPE Purchase CLOSE ON TIME Yes read more

Phillip Barry has my strongest recommendation. Let me share why. In January I met Phillip as my wife and I were starting our mortgage process. I found the process to be time consuming and lonely. Phillip took control and advised us on improving my wife's credit and properly situating us financially for the best possible mortgage. This process took many months and Phillip stuck with us and coached us throughout. He took my texts and calls on weekends and evenings. He introduced us to a great realtor to guide us through that part of the purchase. I just can not say how much I appreciate his patience and guidance through a very difficult process. read more

My credit was good, I had the money for a down payment, but due to a divorce I was stuck with a foreclosure from a few years ago. Cara found me the perfect loan for my situation, stuck with us from start to finish, and even showed up at the closing. If you've ever bought a home, you know how the loan process can be a roller coaster (even if you're pre-approved!). Cara guided us along every step of the way, she was always quick to reply by email or phone with any questions or concerns, and worked to smooth over several bumps we encountered along the way. We now have our dream home, Thank you Cara (And Future Home Loans)! read more

My husband and I could not be mkre grateful Melissa was recommended to us for our homebuying process! We heard the horror stories from our friends about their trials while buying a home, byt we experienced none of that. Melissa made the process easy and as stress free as buying a home can be. She was prompt with her replies to my endless questions and ensuring we had the right documentation to the right people on time. We are now homeowners of a brandnew home in a wonderful neighborhood and could not be more excited to start this new chapter. We could not recommend someone better! Thank you for all that you do, Melissa! read more

I genuinely feel like utilizing this company for my first homebuying experience was a blessing. Ryan and Todd were great and easy to work with, but I really want to give the BIGGEST shout out to my processor Mitchell. He dealt with all of my questions, concerns, fears and misunderstandings in the quickest and most professional way. He kept track of every snag we hit in the road and kept me up to date while also staying on top of the situation. He really and truly defined this experience for me and I am ETERNALLY grateful for his patience and understanding. Thank you all so much for helping me purchase my first home! read more

Mr. Lynn is very personable, extremely responsive, caring and he knows his business and the housing market very well. He took the time to come out to my home and thoroughly explained the process/programs of financing with the upmost and honest professionalism. He made concerted efforts to keep the rate down and fees to a minimum. He is a bright, intelligent, customer-oriented mortgage professional offering great service and rates. It was a very positive experience overall. I highly recommend him and Future Home Loans to every person I know who is in need of financing! read more

Melissa Brunz is fantastic! Normally, when purchasing a new home the loan aspect can be quite daunting - to the point of being nightmare inducing! However, that wasn't the case at all with Melissa assisting us. She was very organised and made sure we had all documentation together, and submitted it quickly and efficiently (including potential items that the underwriters could ask for even before they asked). She even stayed on top of things when others were not, (the title company in Georgia wasn't very responsive at times) which something I greatly appreciate! read more

First time home buyer with a million questions and a few tricky obstacles to get through. Phillip and team took care of me like I had millions in the bank and was a top priority client. Quick, transparent, and 100% on my side. Phillip truly went above and beyond to get me the best rates and approved as quickly and as smoothly as possible. Highly recommend him!!! If you are still not sure, pick up the phone and have a conversation with him - he'll quickly change your mind! Thank you Phillip and team for the excellent customer service. PS. I LOVE MY NEW HOME! read more

I worked with Cara and I couldn't have asked for a better lender. Cara thoroughly explained all my options to me and answered every question I had. She was always available whenever I needed and even helped me get a pre-qualification letter on a holiday so I was able to make an offer. Throughout the loan process Cara did everything she could to keep the process as easy and stress free as possible. She always kept me up to date with everything that was happening. I would highly recommend Cara to anyone looking for a lender. Thanks! read more

Mr. Craig Dixon, you were the catalyst that made the dream team possible to be able to fully close on a house. If you need someone who specializes in VA loan, he's your man. He will do his best to go through all challenges. I was super embarrassed not having enough finances ready, but it was not an issue. He answered all my questions and he was very precise with everything. If you want to start your home buying process, call him! He knows the best realtors as well, and he will make sure you are taken care of. Thank you, Mr. Craig! read more

I've been in this industry and know what to expect, but having Melissa Brunz walk us through and get us to the finish line was so helpful. I didn't think it would be as easy and quick as she made it for us. She got us over the hurdles that stood in our way of home ownership due to her knowledge of the business. She was so enthusiastic and made us feel like she truly cared and couldn't wait for us to own our home. We loved her personality and genuine kindness and we would recommend her time and time again! She is truly fantastic! read more

We had the great fortune to work with Cara Potter at Future Home Loans, and cant speak highly enough of her and her team. We moved from California to Jax and she handled everything for us, from discussing financing options, to helping us work through some hiccups that arose during our process. She and her team are friendly, knowledgeable, helpful and always available to help or answer any questions, and are there from offer to closing. If you have the choice between lenders, you can't beat going with Cara and Future Home Loans! read more