Get the keys. Skip the stress.
I became the loan officer I wish I had. I'll walk you from your first question to closing day.
Prefer to talk? Call (904) 844-1148 Free, no-obligation consultation Takes about 10 minutes to start
- Stone Merton · NMLS #2575665
- Licensed in Florida
- FHA · VA · USDA · Conventional · DSCR
“Stone treated my wife and I like a friend and made getting our first house a wonderful experience!”
Clients say it best
“Had the pleasure to work with Stone Merton out of Jacksonville, Florida! Was a pleasure working with him. Very knowledgeable and didn’t treat me like just a customer. Stone treated my wife and I like a friend and made getting our first house a wonderful experience!”
“Our first time selling a home and moving into our forever dream home. Working with Stone had been one of the easiest and least challenging processes that I have ever gone through!! Stone was extremely attentive to my questions and needs. He would always reply quickly to any questions I had and would do everything within his power to make this a seamless process!! I highly recommend The Anchor Team for any of your real estate dealings!!”
“Great experience , long hours of support, sometimes after hours ,question's always answered, 7 days a week always there for me ! I would refer to all my friends.”
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Seven ways to get to yes, explained in plain English. Program descriptions are general. Eligibility and availability vary by program, location and borrower.
Programs: FHA, VA, USDA, Conventional, DSCR, Down Payment Assistance, Manual Underwriting.
How it works, from hello to keys
First
We talk first.
A free conversation about your goals, your budget and your timeline. You ask everything. I explain your options in plain English.
Then
You get a real plan.
You apply, we gather your documents, and the file is reviewed. A pre-approval is not a final approval, but it shows sellers you are serious.
Next
You house-hunt with backup.
You and your agent look at homes knowing where you stand. I stay on call for questions before you write an offer.
Finally
We get you to the table.
Underwriting, appraisal, final conditions, closing. I keep you updated at each milestone so there are no surprises.
Consult
- Your goals and your timeline
- Which programs may fit
- What you can start on today
Free and no obligation.
Get pre-approved
- Secure online application
- A simple document checklist
- A clear next-step list
A pre-approval is not a final approval or a commitment to lend.
Shop with confidence
- Work with your real estate agent
- Questions answered before offers
- No guessing about the process
All loans are subject to credit approval and program guidelines.
Close
- Regular status updates
- Help clearing conditions
- Keys in hand
Timelines vary by loan type and property.
Ready to take step one?
Start your application now, or book a free call and we’ll map your path together.
Not a commitment to lend. All loans are subject to credit approval and program guidelines.
Loan programs, made simple
From FHA to DSCR, plus down payment help and manual underwriting. Pick one to learn more.
Program descriptions are general. Eligibility and availability vary by program, location and borrower.
FHA
Government-insured loans with flexible guidelines, popular with first-time buyers.
VA
A benefit earned through military service, with its own flexible guidelines.
USDA
Government-backed loans for eligible homes in eligible areas.
Conventional
The most common loan type, with options for many situations.
DSCR
Investor loans qualified by the property's rental income.
Down Payment Assistance
Programs that may help with a down payment or closing costs.
Manual Underwriting
A human review for borrowers with limited or non-traditional credit.
Not sure which program fits? Let’s figure it out together.
Not a commitment to lend. All loans are subject to credit approval and program guidelines.
Which sounds like you?
What’s holding you back?
Most buyers worry about the same four things. Here’s the honest answer to each.
My credit isn't perfect.
Most people's isn't. Some programs have flexible credit guidelines, and some borrowers can be reviewed through manual underwriting, where a person (not just a score) looks at your whole file. If you're not ready yet, I'll lay out the steps to get there and we'll set a plan.
I don't have much for a down payment.
Some loan programs allow smaller down payments, and down payment assistance may be available through programs such as Chenoa Fund and SHIP. Eligibility and availability vary by program, location and borrower, so we'll check what applies to you.
I'm self-employed or my income varies.
Self-employed buyers can qualify in more than one way, and I'll explain which documents matter. Investors buying rental property may also look at DSCR loans, which focus on the property's income instead of personal income.
Am I even ready?
The only way to know is to check, and a conversation costs nothing. We'll look at where you are, what a realistic timeline looks like, and the one or two things to work on first. Sometimes the answer is "now". Sometimes it's "in six months, here's the plan."
Plain English, always.
No jargon, no pressure. If a term matters, I explain it. If it doesn't, I skip it.
Manual underwriting know-how.
When a score doesn't tell your whole story, there may be another way to review your file.
A plan, even when it's "not yet".
If you're not ready today, you'll leave with clear steps and a timeline, not a closed door.
Down payment help, explored.
I look for assistance programs that may apply to you, including Chenoa Fund and SHIP, for first-time and repeat buyers alike.
Find your best-fit loan path
Five quick questions. No sign-up needed to see your result.
What are you hoping to do?
General, educational guidance only. Not a pre-approval or offer of credit. Not a commitment to lend. All loans are subject to credit approval and program guidelines.
Local to the First Coast
Helping buyers in Middleburg, Jacksonville and across Northeast Florida.
Keys in hand
Real clients, real closings. Every one of them started with a first conversation.
“Great experience , long hours of support, sometimes after hours ,question's always answered, 7 days a week always there for me ! I would refer to all my friends.”
Let’s get you home.
Pick the path that fits where you are right now.
Ready to move forward?
Start your application online. It takes about 10 minutes.
Not sure where to start?
Book a free, no-obligation call. Bring your questions.
- Free, no-obligation consultation
- Takes about 10 minutes to start
- Or call (904) 844-1148
Not a commitment to lend. All loans are subject to credit approval and program guidelines.