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Mortgages By Linda is dedicated to guiding clients through the mortgage process with personalized attention and professional expertise. With over 20 years in the mortgage business and a strong presence in North Florida since 1987, we offer a wealth of knowledge and experience to help you navigate your home financing journey. Our goal is to ensure that you are fully informed about your loan options and confident in your decisions.

We provide a variety of loan programs, including FHA, USDA, VA, Conventional, HARP, and Commercial loans, to meet the diverse needs of our clients. Our partnerships with over 15 wholesale lenders allow us to secure competitive rates and terms for your mortgage. We are committed to being accessible to our clients, offering support beyond regular business hours and on weekends. At Mortgages By Linda, we prioritize exceptional customer service, transparency, and integrity in every interaction, ensuring a smooth and successful mortgage experience.

Served areas
  • Florida
  • Alabama
Business details
  • Year established: 2004
  • Licensed
Highlights and features
  • Over 20 years of mortgage industry experience
  • Affiliated with 15+ wholesale lenders for best rates
  • Offers FHA, USDA, VA, Conventional, and Commercial loans
  • Available after hours and weekends for client calls
  • No application fees ever charged
  • Personalized one-on-one service throughout loan process
Services
Loan Types We specialize in delivering diverse mortgage solutions, including Conventional, FHA, VA, USDA, Florida Hometown Heroes, and Professional Loans. These loan types are designed to cater to various financial profiles and housing objectives. Our commitment lies in assisting clients with informed decisions, backed by expert advice and comprehensive support.
Reviews (22)
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C. C.
Aug 09, 2024
I was doing a home loan with Wells Fargo, and the loan closing was pushed back two times. The loan under writing had me and my wife at the conditional approved for over two months, and the last day before our last closing with Wells Fargo; Wells Fargo agents called to say we are not going to get the final approval to close. Me and my wife were heartbroken. We were upset that we did all that work and did not get the final approval. My Realtor spoke to the selling agent, and they recommended Loans by Linda to try and see if Linda Garcia could help us get a new pre approval letter and start a new loan with another Lender. I must say, I was not really interested in starting over so quickly; since our credit scores would take another hit from the inquiries. I did some google search and read many reviews from people that used Loans by Linda to get their home. And surprisingly I read so many positive comments and reviews it made me feel better but my situation was not easy to deal with. Linda got on the case and her team along with my realtor team at keyes, like a champion fighter keep punching away at the loan, under writers, loan officers and pull out a win for me and my wife. We closed on 07-31-24 at landmark title . Me and my wife are now first time home buyers because of the knowledgeable team at Loans by Linda. Both me and my wife thank you all for a tough job we presented to you and you guys handled it like cake. Thanks from the bottom of our hearts. Many thanks Linda and Kelly , Nick, and everyone else I never got to speak to or meet.
Victor
Jun 15, 2024
Linda Garcia was highly competent, professional, and overall a pleasure to work with as we completed the purchase of our second home. She was able to beat the interest rates of all the competition, and her closing costs came in WAY below what she initially estimated. By comparison to our first experience with a major bank, working with Linda was both much faster and a smoother process. We truly appreciated her service and will definitely be returning to her again for our future real estate transactions!!
Arielle B.
Apr 06, 2024
Linda is AMAZING. She's the epitome of hard work. This was my husband and I's first time building a home and Linda made the process stress free. We wouldn't have been able to call ourselves homeowners without all of her hard work and dedication. If you are in the market for a mortgage Linda is your go to without a doubt!
Robert Yocum
Dec 31, 2023
I have used Mortgages by Linda twice now and it has been nothing but professional, exceptional and personable service! Businesses should be run with excellence and that is exactly what you get!
Delaina Rhodes
Sep 10, 2023
All I can say about Mortgages by Linda is Wow! Linda and her team helped my wife and I complete our Refi in 11 days from start to closing. Linda was quick to respond each and everytime we had a question or needed assistance with the process. This was our 5th time going to closing and the best by far. I would recommend Mortgages by Linda and her team to anyone who is looking for "outstanding" service and a team that cares about their clients.
Allison Costakis
Jan 11, 2023
I found Mortgages by Linda online, read the reviews and figured I would give it a go even though I have never used them before. They will now be helping me with every mortgage I ever get in the future!! All the great reviews they have stand true and I experienced it first hand. We had a hurdle with the appraiser and her team helped make sure everything was handled quickly and even joined us at the closing for support.
Latasha Lambert
Jan 06, 2023
Linda is phenomenal! Hands down the best loan officer that could ever serve you. Super grateful we crossed paths. Would highly recommend her as she will go over and beyond. It has been a pleasure working with her. Super educated, always available (Im not kidding) and extremely patient. 5 stars
David Butler
Oct 26, 2022
Linda did an amazing job! We went under contract on December,10th on a VA contract. It was important to the buyers to close as soon as possible. Linda told me that she could get the VA loan closed in 30 days (I was very doubtful). We closed yesterday, January, 9th and the mortgage process went very smoothly. Again, Linda and her team did an amazing job!

David Butler, Realtor
Watson Realty Corp.
Ismary Castro
Aug 31, 2022
Best mortgage broker ever! Linda went above and beyond in the process of getting my first home. She makes the impossible be possible. Exceptional service, family like care, great communication, quick responses and smooth process.
Tuscany Orocio
Feb 15, 2021
I used Mortgage by Linda twice their very professional and very responsive. They will walk you thru start to finish. I definitely give them the 5 star. I will recommend them to anyone. Again thank you to Alexis,Alicia, and Toya and Linda and the whole team.

Tuscany Orocio
Steve Garcia
Dec 30, 2020
Just did a cash out Re-F,i and before I closed my loan Nick My loan officer was able to lower my rate twice! Team MLB closed my loan in a very short time and exceeded my expectations! Great company please check here before you do a loan or you will pay to much! Thank You again for superior service Mortgages by Linda!
Drew Snider
Sep 10, 2020
Hello,
I would love to write about a review for Mortgages by Linda! Linda and her team have made it possible for me to own my beautiful condo at Jacksonville Beach this week! If it was not for their exceptional knowledge, professionalism, and skills, this condo would have never happened for me, and at an extremely low mortgage rate I might add. I will recommend Mortgages by Linda to everyone I know, family, friends, and colleagues. Linda goes far above and beyond than what I ever imagined. Thank you so much for all of your help and in making this dream come true! You and your team are amazing!!!

SIncerely,

Andrea Martinez
Jacksonville Beach, FL
David Perez
Aug 20, 2020
So I was recommended to this company, and I couldn't have been more thankful. Linda and Fawn treated me with such great service. From start to approval was 3 days, and I closed 8 days later. She was able to find me an exceptional rate, and I was able to save a couple hundred on my refinance.
Gianna Mcdougle
Jan 29, 2020
Alicia was amazing to work with. She made sure she answered every question we had, updated us every step of the way even when we couldnt get in touch with the loan processor, she also made sure we closed on time even after they took over our file late and had limited time to get it closed. We received a very low interest rate and our payments are where we want them to be. The only negative which really wasnt their fault is the loan processor that they had to use Holly. I understand that they get busy but Im also a business owner with overload of clientele as well as manage 13 girls so I understand but she never responded to emails in a timely manner, never returned phone calls even after leaving a voicemail, and never replied txt messages. If I was yall I wouldnt use Holly again she made the experience extremely stressful. But luckily we had Alicia to ease our mind about our questions. Thank you again mortgages by Linda for getting us closed on our new home.
Stacey Walker
Sep 11, 2018
Linda saved us when we were at our lowest point when it came to getting a mortgage for our new home. She was extremely helpful and friendly and found us an amazing rate! Throughout the process her processor Toya kept me in the loop and updated. Both Linda and Toya would answer my emails and calls whenever I would panic or freak out. They definitely would put me at ease. And on closing day/s they were by my side every step of the way. It was great working with them and will recommend them to anyone in need of a mortgage.
Rob Dentel
Sep 17, 2017
Excellent experience with Linda and her group. When other banks did not want to deal with the small loan (condo) and other issues, Linda really came through. Her services was much appreciated.
Lottie Descallar
Aug 31, 2017
Linda was God sent, An angel indisguise! After a month ordeal with Quicken Loans, we jumped ship & tried this lovely lady Linda @ Mortgages by Linda. Alll the nice things she said at her website & during the initial conversation, , Linda made me & my husband feel at ease & assured us that she will do her best to make our mortgage app experience as smooth as possible. She delivered the goods and after nineteen (19) business days, we closed on the house. Amazing amazing amazing! I will definitely recommemd her to friends & families. Thank you Linda and to your team for the beautiful experience of home buying.
Tamika Stanley
Mar 31, 2017
As first time home buyers the process was a little stressful. Linda and Jessica were very patient and kind to help myself and my husband through. We experienced some unexpected issues with the lender at no fault at Mortgages by Linda but they took charge and got it worked out. It was a pleasure to work with them.
Temeka Stroud
Mar 08, 2016
This was my first time buying a home. I contacted Linda and she explained how the home buying process works. She was very knowledgable and patient in providing answers to all my questions and concerns. The process was quick, easy and efficient. I found the process more personable than dealing with the banks. Thanks Linda!!!
April Cook
Oct 17, 2015
Working with Linda and her team was AMAZING! Super professional with a personal touch! Would recommend her to anyone and everyone in the market for a home! The home buying experience can be super stressful, but Linda was able to make the experience as pleasant as possible! We love our house and very thankful we found mortgages by Linda!
Gerry Field
Jan 24, 2015
Linda, Jessica and Holly were wonderful to work with. Quick, responsive and right to the point. They provided great guidance and service (and patience) from the start through to closing.
Myrna Cremata
Sep 26, 2014
Yes we are very happy with the work and dedication of Linda with us to found the best choice to buy a home and get a good loan. She answered all our questions and doubts about the way to obtain the loan.
She did a great job!!! . Thanks Linda!!
Myrna and Jorge Fernandez Aballi