Hii Commercial Mortgage Loans Jacksonville FL
Commercial Real Estate Loans in Jacksonville, FL
Purchase, refinance and bridge financing for commercial property owners and investors in Jacksonville. Tell us about the property and we will outline the options lenders may offer.
- Owner-occupied and investment property
- Purchase, refinance, bridge and construction
- Part of Happy Investments, Inc. · NMLS #950873
Requesting a quote is not an application and is not a commitment to lend. Programs vary; not all applicants qualify.
Free quote · Jacksonville, FL
Tell us about your property
Step 1 of 3 · Your goal
Visit or call
Hii Commercial Mortgage Loans Jacksonville FL
Serving Jacksonville, FL and nearby areas
| Monday–Friday | 9 AM – 6 PM |
| Saturday | 10 AM – 2 PM |
| Sunday | Closed |
Loan options
Commercial financing in Jacksonville
Financing depends on the property and your plans for it. These are the most common requests we help with.
Purchase
- Owner-occupied business property
- Investment property you lease out
- Apartment buildings (5+ units)
- Mixed-use buildings
Refinance
- Rate & term refinance
- Cash-out for improvements or other investments
- Refinancing a balloon or maturing loan
Bridge & private money
- Short-term financing while a commercial property is repositioned
- Faster-moving purchases
- Properties a bank won't lend on yet
Construction, land & SBA
- Ground-up construction and major rehab
- Vacant land
- SBA 7(a) and 504 loans for business real estate
Tools
Run the numbers on your Jacksonville property
Be ready
What commercial lenders look at
- Property income and expenses (rent roll and the last 12 months of operating statements)
- Value and condition (appraisal, photos, any planned improvements and budget)
- Debt service coverage: how comfortably the income covers the loan payments
- Loan-to-value: the loan compared with the property’s value
- Borrower credit, experience with similar properties and cash in the deal
- For a purchase: the signed purchase contract; for a refinance: the current loan payoff
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Three simple steps
Tell us your goal
Use the short quote form or call (904) 901-0720. It takes about two minutes and is not an application.
Talk with a loan officer
We review your situation, compare programs from different lenders and explain the options in plain language.
Choose and close
If you decide to go ahead, we help you gather documents and guide the loan through to closing.
Local service
Serving Jacksonville and Duval County
Jacksonville lies on the St. Johns River near the Atlantic coast, where I-95 meets I-10, with I-295 looping around the city. Common requests include buying an owner-occupied building, refinancing or taking cash out of investment property, and bridge or construction financing for commercial projects in the Jacksonville area.
Commercial lenders look mainly at the property's income and value, plus the borrower's credit and experience. We gather that picture up front so the options we discuss are realistic for your property.
Jacksonville at a glance
- Population: about 1,017,689 (U.S. Census Bureau estimate, July 2025)
- ZIP codes: 32218, 32226, 32219, 32234, 32256, 32221, 32220, 32225
- Nearby communities we also serve: Orange Park (12 mi), Atlantic Beach (16 mi), Neptune Beach (16 mi), Jacksonville Beach (17 mi), Baldwin (19 mi)
- Local areas named by the city: Northbank Downtown redevelopment area, Southside redevelopment area
Jacksonville's Downtown Investment Authority runs a Commercial Revitalization Program for qualifying office projects in downtown. Funding can change from year to year, so check the current terms. Source: Downtown Investment Authority Commercial Revitalization Program.
Other Happy Investments commercial offices in FL
Happy Investments, Inc. is licensed in California (DRE #01485740, NMLS #950873). Commercial real estate loans outside California are arranged with partner lenders where permitted, and not every program is available in every state.
Local resources
- Duval County Clerk of the Circuit and County Courts - RecordingRecorded deeds and real estate documents for Duval County properties.
- City of JacksonvilleLocal government services, zoning and permits.
- Duval County Clerk of the Circuit Court: RecordingRecorded deeds and mortgages
- City of Jacksonville Current Planning DivisionZoning, permits and business licensing
Questions
Frequently asked questions
Where are deeds and mortgages recorded for property in Jacksonville?
Deeds and mortgages for property in Jacksonville are recorded by the Duval County Clerk of the Circuit Court: Recording. Your title company or closing attorney normally handles recording at closing.
Who handles zoning and permits for commercial property in Jacksonville?
Start with the City of Jacksonville Current Planning Division. Lenders often ask how a property is zoned, so it helps to confirm the zoning and any open permits early.
Is asking for a quote the same as applying for a loan?
No. The quote form only tells us about the property and what you need, so a loan officer can call you and explain your options. It is not a loan application and it is not a commitment to lend.
What kinds of commercial property can be financed?
Common examples are offices, retail and storefronts, industrial and warehouse buildings, mixed-use property, apartment buildings with five or more units, hotels, self-storage, medical buildings and churches. Whether a property fits a program depends on its use, condition and income.
Do you arrange commercial loans in FL?
Happy Investments, Inc. is licensed in California (DRE #01485740, NMLS #950873). Commercial real estate loans outside California are arranged with partner lenders where permitted, and not every program is available in every state.
What do commercial lenders look at?
Mainly the property: its income, expenses and value. Lenders also review the borrower's credit, experience with similar properties and the cash going into the deal. Having rent rolls, operating statements and a purchase contract or payoff ready speeds things up.
Owner-occupied or investment property: does it matter?
Yes. A building your own business will occupy is often financed differently from an investment property you lease to others. Tell us which applies on the quote form or on the phone.
Ready to talk about your property?
Call (904) 901-0720 or send a free quote request. A loan officer will explain your options; there's no obligation.