Streamlined Mortgages for Modern Buyers.

With 62% of homeowners citing the mortgage process as the most stressful part of buying a home, Forever Home Loans introduces a simplified solution, transforming this daunting journey into a seamless and satisfying experience.

Fast Approval

Lower Payments

Stress-Free Process

Mortgage Options & Loans For You

Choosing the right home loan can be overwhelming. Let’s navigate the options and find the perfect fit for you.

  • Fixed Rate Mortgage

    The traditional fixed rate mortgage is the most common type of loan program, where monthly principal and interest payments never change during the life…

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  • Adjustable Rate Mortgages (ARM)

    Adjustable Rate Mortgages (ARM)s are loans whose interest rate can vary during the loan’s term. These loans usually have a fixed interest rate for…

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  • Interest Only Mortgages

    A mortgage is called β€œInterest Only” when its monthly payment does not include the repayment of principal for a certain period of time. Interest…

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  • Graduated Payment Mortgages

    A graduated payment mortgage is a loan where the payment increases each year for a predetermined amount of time (such as 5 or 10…

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  • FHA Loans

    FHA home loans are mortgage loans that are insured against default by the Federal Housing Administration (FHA). FHA loans are available for single family…

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  • VA Home Loans

    The VA Loan provides veterans with a federally guaranteed home loan which requires no down payment. This program was designed to provide housing and…

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  • USDA Loans

    USDA loans are low-interest mortgages with zero down payments designed for low-income Americans who don’t have good enough credit to qualify for traditional mortgages.…

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  • Jumbo Loans

    A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a…

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Refi & Purchase Mortgage Loans in Florida

Welcome to the official site of Forever Home Loans. We are a full-service mortgage broker based in St. Augustine, FL. We specialize in Refi and Purchase Mortgage Loans in St. Augustine and Jacksonville. Whether you are buying a home or refinancing anywhere in Florida, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment. Our goal is to match you with the best mortgage based on your personal situation. Call now to get Preapproved for your FOREVER HOME!!!

FHA | VA | USDA | Jumbo | Conventional

Key in door
woman refinancing mortgage online

Refinancing? We can help you with that, too!

We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you’re looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs:

FHA Streamline | FHA Cash Out | FHA 203k | VA Streamline | VA Cash Out | USDA Streamline | Conventional | Jumbo

Excellent
Based on 45 reviews
Tammy Reichenbach
Tammy Reichenbach
By far the best experience dealing with a mortgage transaction while working with Alexandra! Her responsiveness and attention to detail made the process seamless. I would HIGHLY recommend this company and specifically Alexandra to anyone.
robin couch
robin couch
Ali is the best! Professional, kind, very knowledgeable and helpful!
James Lentini
James Lentini
Cheryl was recommended to my wife and I by our realtor. She was alway.s available to assist us with any questions we had and the overall experience of working with her was fantastic.
Lisa Franceschini
Lisa Franceschini
Cheryl is professional, friendly, super efficient, true to her word, and absolutely went the extra mile and beyond for us. Buying a home is never easy but in our 40 years of moving and buying homes, she was our favorite lender. If you want someone who will look after your best interests and get you to settlement on time, call Cheryl. We cannot recommend her any higher!
Scott Spinney
Scott Spinney
Cheryl Grass was the best person we could have been introduced to. She worked hard over the July 4th weekend to get us pre-approved within 24 hours so we could put an offer in on our first home. The entire process was a breeze with Cheryl by our side. We are so so grateful for your hard work!!
Stacey Goldring
Stacey Goldring
Cheryl did an amazing job, walking us step-by-step through the process. She was proactive. helpful. Her communication skills, impeccable! Absolute professional! I highly recommend.
Yuan Hildreth
Yuan Hildreth
Cheryl Grass, I do miss those morning bedtime talk and afternoon wake up calls daily which lasted 2 weeks! πŸ™‚ I can't say enough thanks to her effort working around my crazy night shift schedule to get everything done in time for closing! With Cheryl's help, we closed our first FL home within 30 days! 100% recommend!
Gemm Elbo
Gemm Elbo
Cheryl is recommended by my realtor working with her was fabulous and awesome. She helped and patiently guided us through the entire process. She stayed available and in constant contact even during a couple of evenings when paperwork needed to be done. And has made the process easy and smooth e . I really appreciated all her patience especially we are not fluent speaking but she patiently explain it to us especially she has time to reply immediately on email, text and call to answer any questions and address any concerns. I will definitely use her again. And I highly recommend CHERYL GRASS πŸ‘
Michael Shaw
Michael Shaw
Working with Forever Home Loans was such an easy and positive experience. Justin guided us through the mortgage application and I have had car loans and credit cards applications that were more difficult and time consuming. Forever Home Loans earned this 5 Star rating by doing exactly what they said they were going to do and doing it painlessly. Thanks Justin!
Luljeta Dedi
Luljeta Dedi
Ali has to be the absolute best loan officer out there, she has been an absolute dream to work with. Even with a few issues that arose with the lender, she stayed on top of it and fought hard for us. Definitely will be recommending her to everyone. Above and beyond service every step of the way! Thank you so much Ali for helping us get our home! 😊

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