Jessika Mertins
Branch Manager
NMLS #1269751
★★★★★ 4.98 · Read 618 reviews
Get Pre-Qualified
Cole & Jessika Mertins and the JC Mortgage Group team have helped families across Northwest Florida finance the homes they love — with straight answers, competitive pricing, and service that feels like it's coming from a neighbor, not a call center.
Purchase
Refinance
FHA
VA
Conventional
Jumbo
Down Payment Assistance
A husband-and-wife team — and the dedicated crew behind them — who make the mortgage process feel human from pre-qualification to the closing table.
First home, next home, veteran, or self-employed — there's a program built for it. Here are the loans we help Emerald Coast families use most.
The go-to loan for buyers with solid credit. Competitive rates, flexible terms, and mortgage insurance you can drop once you reach 20% equity.
Government-backed and forgiving on credit. A great fit for first-time buyers or anyone rebuilding their credit profile.
Earned by those who served. Qualified veterans and active-duty service members can buy with no down payment and no monthly mortgage insurance.
100% financing for homes in eligible rural and suburban areas — with income limits that fit many local buyers.
For homes priced above standard conforming limits. Competitive financing for higher-value properties along the Emerald Coast.
Already own? Lower your rate, shorten your term, or turn built-up equity into cash for renovations, debt, or whatever's next.
Not sure which fits? Talk to a loan officer — we'll walk you through your options at no cost.
No jargon, no runaround. Three steps from "just looking" to keys in hand.
Answer a few quick questions online. It takes minutes, there's no obligation, and it's the first real step toward your offer being taken seriously.
We compare programs and pricing across the board to find the loan that actually fits your life, your timeline, and your budget.
We keep you informed at every step and get you to the closing table on time — then we're still here for the next one.
A few words from the families we've had the privilege of getting home.
Jessika was so kind and courteous and really worked to get us the best rate possible. And in the days of our closing being extended by our builder, she was so wonderful to do all she could to get us to the table.
I wish I had contacted Jessika sooner! I worked with another lender for months and it was going nowhere. From my initial phone call there has always been immediate follow-up from Jessika or her team. That's really important when you lead busy lives and work stressful jobs.
Cole was always available to answer any questions or to provide some useful advice. We are extremely happy that we chose to work with Cole and would highly recommend him to friends and family.
Free tools to estimate your payment, what you can afford, refinance savings, and payoff — then let's turn the estimate into a real plan.
Based on the standard 28/36 debt-to-income guideline. A loan officer can refine this with your full profile.
Get Pre-Qualified →Comparing principal & interest only. A longer new term can lower the payment while increasing total interest paid.
Get Pre-Qualified →| Year | Principal | Interest | Balance |
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For estimation only. Monthly payments shown are estimates provided for illustrative and educational purposes only and are based on the information you enter. Amounts shown are not guaranteed and what you actually pay may differ. Results do not reflect all loan programs and are subject to individual program limits. This is not an offer for a mortgage, a commitment to lend, or an advertisement for any interest rate, loan term, or payment. Contact a JC Mortgage Group loan officer for assistance.
Mortgage rates move with the 10-year U.S. Treasury yield. We keep an eye on it so you don't have to — and we'll tell you when it makes sense to lock. Have a question about where rates are headed? Just ask.
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