Yes! Today I have purchased my second home. It took me only a month to get it. Andrew and his team…read morewere very quick and responsive. Andrew's guidance helped me to save some money on my mortgage payments as well. Thank you. Larisa

I would recommend Andrew to ANYONE looking to close on a home…read more What started off as a textbook process/relationship with another company, ended in disaster just 3 weeks prior to my closing date because of horrible customer service. After switching companies on an already tight deadline, I was informed the second company couldn't help because the first company threatened to sue! (seriously!) With just 2 weeks to close, Andrew was recommended to me. I was told if anyone could close this deal, he could. And he did. He was available anytime I had a question, calmed my nerves in an extremely stressful situation, and made the impossible possible (he informed me I now hold the record for the fastest close!). He was extremely professional, genuine, friendly and wonderful to work with. If you're not working with him, you should. And to his boss, give this man a raise! Cheers, M

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

Carmen is great! I have referred her many times to clients and they are always happy. Carmen is…read moreboth knowledgeable and very friendly. She is great at explaining everything to a buyer. I would strongly suggest giving Carmen a call if you are looking for a mortgage.

Carmen and her team did a fantastic job on our recent refinance! we got a great rate and were able…read moreto close earlier than anticipated. She was available around the clock for questions and clarifications. Carmen made the process seamless. Thanks Carmen!!

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!!

I just closed on my 1st home! Kitty and her team are very professional and understanding. The…read morewhole process started as a Meetups class for 1st time homebuyers and ended with that task accomplished. Kitty was a great resource to have on my side. Can't vouch for her and her team enough. Thanks so much!

From the owner: I help Gen X women and families build wealth through real estate with smart, strategic mortgage…read moresolutions. With 23 years of underwriting experience, I know how to make loans work—not just quote rates. Whether you’re buying your first home, investing, or refinancing, I’ll guide you every step with clarity and care.

Jackie did an amazing job with us! She beat out the major banks and saved us thousands of dollars…read moreon our closing costs all with a low rate on our loan. She was always available to answer questions and with her guidance and expertise made our experience a smooth and easy one from beginning to end. If you do not give Jackie a shot you are probably paying too much!

Jackie Harmon was literally the bright spot of my home buying experience. She saved us thousands of…read moredollars on our closing costs. There wasn't a moment in my home buying experience that I couldn't text her with a concern and didn't hear back within the hour. She goes above and beyond.

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!!

PrimeLending is on your side! They will and have worked tirelessly for you. They are creative,…read moreinformative, involved, innovative, personable, and will make it work for you. If you are not using PrimeLending you are not using the best. The team of Dave and Tim are a winning combination.

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.