Meet the People Behind Your Mortgage

We’re a team of real people helping real families every day. Whether you’re buying your first home, refinancing, or investing- we’re local in Jacksonville & we're here to guide you home.

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JENN KRAMER

As the Opportunity Team Lead, I’m passionate about empowering our community to make confident, financially smart decisions! There’s nothing more rewarding than helping make that dream a reality. I strive to ensure every step of the process is stress-free, so you can step into your new home with confidence!

Opportunity Team Lead

MARK MIKHATS

I’m passionate about making the mortgage process smooth and stress-free through education and clear communication. I believe informed buyers make confident decisions, and I look forward to helping you make yours.

Loan Officer

KELLY CAPOZZI

With a background in marketing and event management, I love building genuine connections with my homebuyers. As both an Army Brat and Army Spouse, I understand the unique challenges and opportunities that come with finding home.and love that I get to assist my community with such a huge milestone!

Loan Officer

KATE BODNAR

My approach is simple... I take the time to listen, understand, and find the right solution for every client. I’m passionate about helping each person feel confident through every step of the process, no matter the challenge & I can't wait to help you next!

Loan Officer

Brenda Gonzalez

I’m a bilingual Loan Officer with over 12 years of mortgage experience, helping families across Jacksonville find the right home financing solutions. With a wide range of program knowledge and a calm, supportive approach, I’m committed to making the loan process simple and stress-free for every client I serve!

I’m committed to supporting our opportunity team and clients every step of the way. From organizing details to sharing updates, I make sure communication stays clear and everyone has what they need! My goal is to make the process seamless, efficient, and stress-free for everyone involved.

Spanish Loan Officer

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we're proud to call jacksonville home

First Coast Mortgage Funding Opportunity Team

Buying a home is a HUGE step, and you don’t have to do it alone. Our Opportunity Team at First Coast Mortgage Funding is here to help guide you from curiosity to a confident homeowner. Whether you’re just starting to explore your options or ready to get pre-approved, It's our team's mission to make the process simple, clear, and stress-free!

Personalized Loan Options: We’ll review your situation and match you with the best programs- from 0% Down to VA, FHA, or self-employed options.

Real-Time Guidance: Get direct support from local experts who understand our community and today’s market.

Fast Pre-Approval: Most approvals are completed within 24 hours so you can start shopping with confidence.

Flexible Communication: Text, call, or email- we’ll meet you where you are and keep you updated every step of the way.

No Cost, No Obligation: It’s 100% free to see what you qualify for- we’re simply here to help you take the next step.

Trusted Local Team: We’re proud to serve the Jacksonville area and surrounding communities, helping hundreds of families each year reach homeownership.

Frequently Asked Questions

Can I talk to someone before applying?

Of course! Our Team is here to answer questions, explain your options, and guide you through the next steps.

What happens after I fill out the form?

One of our Opportunity Team members will reach out to confirm your details, discuss your goals, and match you with a licensed loan officer who can start your pre-approval.

What if I’ve been renting or don’t have a long work history?

That’s okay! Every situation is unique. We’ll review your income, employment, and credit history to find the best path toward homeownership.

Do I need perfect credit to buy a home?

Not at all! There are programs available for a wide range of credit scores- even if yours isn’t perfect, our team can help you explore your best options.

Can I really buy a home with 0% down?

Yes! Certain loan programs like VA or USDA allow qualified buyers to purchase with no money down. Our team can help you see if you qualify.

I’m self-employed- can I still get approved?

Absolutely. We work with lenders who specialize in programs for self-employed buyers using bank statements, 1099s, or alternative income documentation.