First Look Home Loans
Jacksonville Mortgage Experts

A smarter way to approach your mortgage.

Built around the life you're building, not just the loan. Family-owned, education-first, and fast, with a 15-day average clear-to-close.

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5.0★

Google rating

500+

families helped

15-day

avg. clear-to-close

9

loan programs

Austin and Stacie Williams of First Look Home Loans

What brought you here today?

Tell us where you are and we'll point you to the right next step — no pressure, no jargon.

I'm buying a home

Whether it's your first home or your next, we'll walk you through your options in plain English and get you offer-ready with a fully underwritten Pre-Approval PLUS+.

Get pre-approved
Austin and Stacie Williams of First Look Home Loans

Verified · NMLS #885656

Austin & Stacie Williams

The First Look Team

A family team that takes the time to explain your options.

First Look Home Loans is a family-owned mortgage brokerage serving Fleming Island, Jacksonville, and communities throughout Northeast Florida.

We started this company because we saw too many people making one of the biggest financial decisions of their lives without fully understanding their options. Our belief is simple: better decisions happen when people have clear information and someone they trust to guide them through it.

When you work with First Look Home Loans, you're working directly with Austin and Stacie. No call centers. No being passed from department to department. Just real people who are invested in helping you make a smart decision for your family.

  • 15-day average clear-to-close
  • Pre-Approval PLUS+ fully underwritten upfront
  • Family-owned and operated
  • Education-first approach
Today's Rates

Today's mortgage rates.

Daily average market rates from the Optimal Blue Mortgage Market Indices. Your actual rate depends on your credit, loan amount, and program — that's why we shop multiple wholesale lenders for you.

30-Year Fixed

6.454%

▼ -0.029

Most popular · predictable payments

15-Year Fixed

5.742%

▼ -0.128

Lower rate · faster payoff

FHA 30-Year

6.308%

▲ +0.062

Low down payment

VA 30-Year

6.119%

▲ +0.071

Zero down for those who qualify

Request today's rate

Rates as of June 18, 2026, source: Optimal Blue Mortgage Market Indices (OBMMI). Rates shown are general market indications only and do not constitute a commitment to lend. Individual rates and terms depend on credit profile, loan-to-value, property type, occupancy, loan amount, and other factors. All loans subject to credit approval. First Look Home Loans NMLS #1898199.

Mortgage Calculator

How much house can you afford?

Estimate your monthly payment, check affordability, or compare renting vs. buying — free, no signup.

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Enter the full purchase price of the home

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20.0%

Minimum 3–3.5% for most programs; 20% avoids PMI

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Your actual rate depends on credit, loan amount, and program

%

Annual rate as a percentage of home value (FL avg ~1.0–1.2%)

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Typical homeowners insurance cost per year

$

Leave as $0 if no HOA applies

Estimated Monthly Payment

$2,481

Includes P&I, taxes, insurance

Payment Breakdown

Principal & Interest$2,023
Property Tax$333
Home Insurance$125

Loan Amount

$320,000

Total Interest

$408,142

Estimates only — not a loan offer or pre-qualification. Open the full calculator →

Client Reviews

Families trust First Look.

5.0on Google · 151 reviews

“We had an excellent experience working with our mortgage advisor throughout the entire home-buying process. They were knowledgeable, responsive, and took the time to clearly explain every step, which made a potentially stressful process feel smooth and manageable. Any questions we had were answered quickly and thoroughly, and they consistently went above and beyond to make sure we were comfortable and confident with our decisions. Special shout-out to Austin Williams for his professionalism, dedication, and constant support from start to finish. Thanks to his hard work, we closed on our home without any issues. Highly recommend to anyone looking to buy a home!”

Kris Appeldorn

Verified Google Review

“Austin, Stacie and the First Look Home Loans team made our refinance process smooth and efficient from start to finish. Communication was prompt, clear and transparent, timelines were met, and everything closed exactly as outlined with no surprises. We truly appreciated the responsiveness and professionalism throughout the process and would highly recommend them to anyone considering a refinance.”

Lisa

Verified Google Review

“Our loan was fully ready to close within 13 days! We had the pleasure of working with Austin at First Look when securing a mortgage, and I couldn't be more impressed with the level of service and expertise provided. He answered all of my questions, and guided me through every step of the way. His professionalism and knowledge of the market helped me make the right decisions for my needs, and he even went above and beyond to ensure I got the best possible rate. I highly recommend Austin to anyone looking for expert advice and personalized service when it comes to mortgages. They truly made the entire experience smooth and stress-free!”

Bradley Parrott

Verified Google Review

“My wife and I chose First Look Home Loans to assist us with the purchase of our first home, and it was a fantastic experience. Working with Austin and Stacie made the process so much easier. Austin was almost always available to answer our questions, and when he was busy, he made every effort to get back to us as soon as possible. Stacie was a pleasure to work with as well; she kept us informed and was always friendly and easy to talk to. Together, they worked diligently to ensure we were well taken care of, making our first home-buying experience much less daunting. We can't thank you both enough! I would not hesitate to recommend Austin, Stacie, and the First Look team to anyone looking to purchase a home.”

Denver Mayo

Verified Google Review

“I can't recommend Austin highly enough! His expertise and dedication made my home loan process smooth and stress-free. He took the time to explain every detail, answered all my questions with patience, and found the best possible options for me. Austin's professionalism, transparency, and commitment to helping his clients is truly unmatched. If you're looking for someone who genuinely cares about getting you the best opportunity, Austin is the guy!”

Richard Tobin

Verified Google Review

“Austin and his team were so efficient. They take the guesswork out for you. Document upload was super easy and the team were very quick to respond. They keep you updated the whole time. I would definitely work with them again. Thank you!”

Kristen Carino

Verified Google Review

“Fantastic people that was there for every step of the way and always was quick to answer any questions that me or my wife had. Thank you so much for all your help. You were fantastic and I highly recommend them for anyone planning on buying a house!!”

Randall Clark

Verified Google Review

“Austin and his team were so friendly and down to earth, great people to work with! They handled everything from start to close with excellent professionalism. Thanks again for all your help!”

John Pickett

Verified Google Review

Read all 151 reviews
15-Day Average Clear-to-Close

Ready to take the first look at your next home loan?

Every homebuyer has a different story. Let's talk about your goals and explore the options that make the most sense for your situation.

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