Is Michelle Carn Florida’s Best Mortgage Broker?
Let’s see what her clients have to say.
- Families helped
- 1000+Families helped
- In the industry since
- 15+ YearsIn the industry since
- Average client rating
- 5.0Average client rating
What her clients say first
Michelle and her team were super helpful during our process of purchasing our first home. She helped us clearly understand what we were approved for and walked us through all the different avenues we could take. When we found our home, the process from start to finish was seamless.
Michelle is hands down the best mortgage broker I have ever worked with. She treats your loan and needs as if they were her own. She helped me understand the entire process and answered every question I had. She showed up to my closing and was there to support me and celebrate the new milestone in my life. She answered my text messages, even outside of business hours. She made sure that I knew that she is available even after my purchase was complete for any questions. I couldn’t have picked a better person to help me with my mortgage needs!
I can't recommend Michelle Carn enough! As a realtor, I've had the pleasure of working with Michelle on numerous occasions, and each time she has exceeded my expectations. Her attention to detail is unmatched, and she goes above and beyond to strategize the perfect loans and monthly payment plans for my customers. Michelle's punctuality and dedication to her work truly set her apart. If you're looking for the best loan officer in NEFL, look no further. Michelle is my go-to recommendation for all my buyers and customers needing to refinance their homes. Thank you, Michelle, for your outstanding service! 🏡💼
A local mortgage broker who knows the First Coast
Finding the perfect home in Northeast Florida is an exciting journey, but navigating our local real estate market requires a financing expert who truly knows the area. Whether you are looking for a historic bungalow in Riverside, a spacious family home in St. Johns County, a coastal property near the Jacksonville Beaches, or a home near the charm of downtown St. Augustine, you need a local mortgage broker who understands that every Northeast Florida community has its own opportunities, expenses, and challenges.
Michelle Carn is a Jacksonville native who has worked in the mortgage industry since 2012 and has helped more than 1000 families achieve their homeownership goals. As a mortgage broker with First Coast Mortgage Funding, she can compare options from multiple lenders to help each client find financing that fits their circumstances.
From Jacksonville and the Beaches to St. Johns County, St. Augustine, Orange Park, Fleming Island, Fernandina Beach, Amelia Island, and the surrounding First Coast communities, Michelle provides personalized mortgage guidance backed by true local experience.
Buyers across Northeast Florida
I’d highly recommend Michelle Carn as a mortgage broker. Her attention to detail and personalized service made the initiation of obtaining a mortgage for our new home a very good experience. Michelle helped us through the different mortgage options, estimates and projections which was really helpful during a time when interest rates were on the rise. Michelle was always responsive and kept us informed as our process went through to completion. I without hesitation recommend her to anyone shopping for a mortgage.
I don’t even think I have enough characters to begin to describe the amazing experience I had with Michelle Carn & her fantastic team. Polite, courteous, responsive, & above all caring. I can honestly say I was beginning to think customer service was all but dead. Luckily at least for now it’s been restored and that’s because of the hard work, persistence, & tenacious solution oriented attitude of Michelle & Team. I would highly recommend First Coast to anyone looking to get financing for their next home
My husband was a mortgage broker for years and we could not believe the amazing high level of service, organization, communication and execution Michelle and her team provided. She was spot on about everything, every step of the way. I highly recommend everyone shopping for a loan or refi to connect with Michelle. She’s extremely knowledgeable, has a heart of gold and goes above and beyond for her clients. We love her!
Neighborhood Expertise Across Northeast Florida
The Northeast Florida housing market can vary significantly from one community to the next, and a one-size-fits-all mortgage approach does not work here. Michelle proudly serves homebuyers and homeowners looking to refinance throughout the First Coast:
Jacksonville
Local mortgage guidance for buyers in Mandarin, San Marco, Riverside, Avondale, Southside, Arlington, North Jacksonville, West Jacksonville, and the surrounding communities.
St. Johns County
Experienced financing for homes in St. Johns, Julington Creek, Fruit Cove, Durbin Creek, Nocatee, Ponte Vedra, World Golf Village, and the growing communities along County Road 210.
St. Augustine
Helping buyers navigate financing for homes in historic St. Augustine, St. Augustine Shores, St. Augustine Beach, Vilano Beach, and surrounding communities.
The Beaches and Nassau County
Mortgage solutions for Jacksonville Beach, Neptune Beach, Atlantic Beach, Fernandina Beach, and Amelia Island.
Clay County and Surrounding Areas
Trusted financing options for families purchasing in Orange Park, Fleming Island, Middleburg, Green Cove Springs, Macclenny, Palatka, and nearby Northeast Florida communities.
Why Local Matters
Northeast Florida buyers must consider more than a home’s purchase price. Property taxes, homeowners insurance, flood zones, HOA fees, CDD fees, homestead exemptions, and county-specific costs can all affect the true monthly payment. Working with a local mortgage broker means receiving clear guidance from someone who understands these expenses and knows how they affect affordability throughout Northeast Florida.
Complex situations, handled
Michelle and her team were friendly, patient, and FAST! We closed in 22 days. Each person we interacted with was happy to explain any questions we had. In the few days before closing, we played with several different configurations and Michelle and her wingman Stefi were very helpful. I shopped their closing costs among several different brokers. They were the lowest out of the gate and were even lower at Closing. If you're looking for your pro team, call Michelle.
Michelle and her team did a great job for me during my several investment property purchases. She always goes an extra mile, dedicating time to attend to the deal issues outside of her work day, and responds promptly. And the most important, thanks to her knowledge and experience, she always finds solutions in unusual situations.
Tailored Mortgage Solutions for Northeast Florida Homebuyers
Whether you are a first-time homebuyer exploring Florida down payment assistance programs, a military family using your VA benefits, a growing family moving into a larger home, a self-employed borrower with complex income, or an investor expanding your portfolio, Michelle offers access to a comprehensive selection of mortgage programs:
Conventional Loans
Flexible financing options for primary homes, second homes, and investment properties.
FHA Loans
Lower down payment options that can make homeownership more accessible for qualified buyers.
VA Loans
Valuable financing benefits for eligible veterans, active-duty service members, and military families throughout Northeast Florida.
Jumbo Loans
Competitive financing options for higher-priced homes in areas such as Ponte Vedra Beach, Nocatee, St. Johns County, Jacksonville Beach, and Amelia Island.
Renovation Loans
Financing options that can help buyers purchase and improve a home through one mortgage.
Self-Employed and Complex-Income Loans
Personalized guidance for business owners, commissioned borrowers, investors, and clients whose income does not fit neatly into a traditional lending box.
Refinancing
Options to reduce a monthly payment, change loan terms, consolidate debt, or access available home equity when it makes financial sense.
Why clients keep coming back
Deciding to buy a home is nerve wrecking as it is, however, given horror stories that I have heard of my experience was a breeze in comparison! Michelle jumped in to help with my approval process and had information for me within a day. She also provided very detailed information on what she needed from me and answered immediately whenever I had any questions or wanted clarification. She wasn't pushy at all, but checked in on me to see where I was at while looking for my first home. Once I had made a decision she jumped right on it and worked with me in such a timely manner along the way. She made herself available whenever needed and even took the time to set-up a Zoom call to go over all closing costs and projections in detail. I never felt like I was missing anything and I trusted that she would make sure I had all the details I needed. All in all my first BIG purchase was smooth and I would recommend Michelle to anyone who was searching for financing. And now as I sit in my first home writing this, I am completely content with my decision and those I worked with along the way!!
We are incredibly grateful to Michelle Carn and the team at First Coast Mortgage Funding. From the very beginning, Michelle stood out for her willingness to look at the full picture and guide us through a situation that wasn't entirely straightforward. She was patient, kind, and highly responsive throughout the entire process. From pre-approval to closing, everything moved smoothly and efficiently, and we were always kept informed on next steps and status updates. Michelle made what could have been a stressful experience feel manageable and supported. We truly appreciate her dedication and would absolutely recommend her and her team to anyone looking for a knowledgeable and dependable lender.