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Program 09

CRE Permanent in Jacksonville

A permanent commercial mortgage on your Jacksonville asset.

Long-term, permanent financing for stabilized commercial real estate. We place it in house through agency multifamily channels (Fannie Mae and Freddie Mac), insurance funds, and other wholesale sources. Jacksonville's demand base is JAXPORT and a deep health care employment sector. Business-purpose only, and every structure is set in underwriting.

CRE Permanent in Jacksonville, FL from USA Mortgage
Agency
Fannie/Freddie
Long-term
fixed
Multifamily
& commercial
Wholesale
channels

Typical figures, subject to underwriting and market conditions. Not a commitment to lend.

How it works

For a stabilized asset ready for permanent debt, we shop your file across agency multifamily programs, insurance companies, and wholesale lenders, then place the structure that fits your hold. When a deal needs to stabilize first, we can bridge it and refinance into permanent debt later.

Who it's for
Stabilized multifamily 5+
Commercial and mixed-use
Agency permanent debt
Refi out of a bridge
Typical terms
PropertyStabilized commercial
ProgramsAgency, insurance, wholesale
TermLong-term permanent
RateMarket permanent rates
UseAcquisition or refinance
Best forLong-term holds
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*Typical terms, subject to underwriting and market conditions.

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Local FAQ

CRE Permanent in Jacksonville, answered.

Do you have Jacksonville office, industrial, or multifamily cap rate and vacancy numbers?
Not published ones we're willing to quote you. A current sourced pull of Jacksonville-specific office, industrial, retail, and multifamily vacancy, absorption, rent, and cap rate data was not available when we researched this page. Rather than repeat a stale or unverified figure, we underwrite your asset on its actual rent roll, trailing operating statements, and a fresh appraisal, and an agency or wholesale lender will do the same. If a broker quotes you a metro cap rate, ask for the source and the date.
What's the demand story behind port-driven warehouse and distribution product here?
A working port with real cargo growth, not a projection. JAXPORT handled 10,230,114 total tons in fiscal 2025, up 1.8% from fiscal 2024, and 1,388,841 TEUs of container volume, up 3.6%, across 1,611 vessel calls. A 2024 Martin Associates study commissioned by the port credits it with 30,764 direct port-dependent jobs in the Jacksonville area and $44 billion in annual economic impact statewide. Duval County's own transportation and warehousing sector counted 49,535 jobs in the fourth quarter of 2025, more jobs than the county's accommodation and food services or finance and insurance sectors. That is the demand base for industrial and flex product along the Northside, I-295, and Imeson corridors that an agency or wholesale lender wants to see before placing long-term debt on it.
Is there a health-care demand angle for permanent debt on Jacksonville commercial assets?
Yes, and it's the metro's fastest-growing employment sector. Education and health services added 10,100 metro jobs between June 2024 and June 2026, while total nonfarm payrolls grew only 0.3% year over year over the same recent period. Duval County alone counted 92,292 health care and social assistance jobs in the fourth quarter of 2025, the county's single largest sector. That growth, alongside a metro that is otherwise flat on payrolls, is a sourced case for medical office and health-care-adjacent commercial product, even without a published vacancy or absorption number to cite.
How does Florida's judicial foreclosure process affect a permanent lender's risk in Jacksonville?
It's slower than a non-judicial state, and Jacksonville's litigation rate runs well below South Florida's. Florida foreclosures run through the circuit court; the national average time to complete a foreclosure was 563 days in Q2 2026, against 155 days in non-judicial Texas. Inside that statewide picture, FLOIR's regional claims data places the entire Jacksonville metro, all five counties, in its lowest litigation bucket at 8.16% of closed property insurance claims litigated in 2025, against 27.27% in Palm Beach, Broward, and Miami-Dade. That is a comparatively favorable insurance-litigation environment, which is a factor in how a permanent lender prices risk on a stabilized asset here.
Will my property tax bill jump after I close on a stabilized Jacksonville asset?
Plan for a reset, and check which of Duval's urban services districts the property sits in. Duval County's 2025 final millages run from 17.2004 mills in Atlantic Beach to 18.9701 in the Town of Baldwin, with the old City of Jacksonville and the general services district both at 17.7412, and school levies are 6.3430 of that 17.7412, about 36% of the bill. Florida's 10% non-homestead assessment cap is a residential rule: Florida Statutes section 193.1554 covers non-homestead residential property of nine or fewer dwelling units, it resets entirely when the property transfers, and by statute it never applies to school district levies, so that school share reassesses at full market value every year. We do not have a sourced cap rule to give you for a larger commercial or multifamily asset, so confirm how the county property appraiser assesses your specific parcel before you size a permanent loan, not after you lock a rate.

More CRE Permanent questions, answered on the program page

Resources

Guides for CRE Permanent

Bridge · 4 min read
What Is a Bridge Loan in Real Estate?
Read the guide
SBA · 5 min read
SBA 7(a) vs 504: Which Is Right for Owner-Occupied Real Estate?
Read the guide
Bridge · 4 min read
Commercial Bridge vs Permanent Financing
Read the guide
Bridge · 5 min read
Bridge Loan Exit Strategies: How to Pay Off Short-Term Debt
Read the guide
Browse all guides
Compare

CRE Permanent vs. other options

Comparison
CRE Bridge vs CRE Permanent Loan
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Other programs in Jacksonville

Fix and FlipUp to 90% / 100% rehabRental / DSCR30-yr fixed, DSCR from 0.75Ground-Up ConstructionUp to 70% LTV, most statesCRE BridgeUp to $10M, 24-36 moTransactional FundingSame-day double-close capitalBank Statement / No-DocNo tax returns requiredConventional InvestmentNon-owner-occupied investmentPortfolio LoansMultiple properties, one loanSBA Financing7(a) & 504 placement
All Jacksonville loan programs
About the local figures on this page

Local rules move. Every tax rate, fee, ordinance and market figure here comes from a primary source and carries the date we read it, and we correct them as the rules change. Where a number is mid-change or we could not verify it, we say so rather than guess. Before you commit a budget, confirm anything that drives it with the city or county, and talk to your attorney or CPA on questions of law or tax.

Published by USA Mortgage Funding, LLC, NMLS #152588. Researched from primary sources by our team, drafted with AI assistance, and every figure checked against its source before publishing. Where an answer rests on a public record, that record is linked under it. Figures read on 2026-08-13.

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