{"version":"1.0","type":"card","id":"36491104-6695-48ab-abba-93decefa2f26","url":"https://stacklist.com/card/36491104-6695-48ab-abba-93decefa2f26","title":"Jacksonville First-Time Buyer Loan Programs Explained","source_url":"https://www.fhamortgagesource.com/jacksonville-first-time-buyer-loan-programs-explained/","note":"A plain-English breakdown of FHA, USDA, VA, and conventional loan options for first-time buyers in Jacksonville, covering Duval, Clay, and St. Johns County programs and how local grants layer with these loans to reduce upfront costs.","image":{"url":"https://ucarecdn.com/71e4625d-0e00-4cc0-903b-efeb36e9b994/","alt":"Jacksonville First-Time Buyer Loan Programs Explained","width":600,"height":450},"stack":{"id":"18dc176e-a09f-42b8-91d7-c46da810bdaa","title":"First-Time Homebuyers in Jacksonville, Florida","url":"https://stacklist.com/c/finance/stack/18dc176e-a09f-42b8-91d7-c46da810bdaa"},"created_at":"2026-07-08T09:26:04.957Z","updated_at":null,"aco":{"summary":"Jacksonville first-time home buyer loan programs include FHA loans (3.5% down), Fannie Mae HomeReady (3% down), and Freddie Mac Home Possible, along with local down payment assistance grants and the Florida Hometown Heroes program. The article explains eligibility criteria, noting that a first-time buyer is defined as someone who has not owned a home in the past three years, and details key requirements and obstacles for each program.","tags":["first-time-buyer","mortgage","fha-loan","down-payment","jacksonville","home-buying","loan-programs"],"key_entities":[{"name":"Jacksonville","type":"location","confidence":0.99},{"name":"FHA","type":"organization","confidence":0.97},{"name":"Fannie Mae","type":"organization","confidence":0.95},{"name":"Freddie Mac","type":"organization","confidence":0.95},{"name":"HomeReady","type":"concept","confidence":0.9},{"name":"Home Possible","type":"concept","confidence":0.9},{"name":"Hometown Heroes","type":"concept","confidence":0.85},{"name":"Florida","type":"location","confidence":0.95},{"name":"Duval","type":"location","confidence":0.8},{"name":"Clay","type":"location","confidence":0.75},{"name":"St. Johns","type":"location","confidence":0.75},{"name":"down-payment-assistance","type":"concept","confidence":0.9},{"name":"DSCR loans","type":"concept","confidence":0.7}],"classification":"reference","language":"en","confidence":0.85,"provenance":{"model":"claude-opus-4-6","tool":"@stacklist/mcp-server@2.0.0","confidence":0.85,"timestamp":"2026-07-08T09:26:23.748Z"},"token_counts":{"approximate":1194,"cl100k":954},"content_hash":"sha256:2a6ae9ff89b7d0364cf70f6a906461588e162018381cd458472378557be1fd81","acp_version":"0.2","body_available":true,"body_tokens":1194,"visibility":"public","agent_accessible":true,"status":"final"},"_links":{"self":"/api/public/card/36491104-6695-48ab-abba-93decefa2f26.json","html":"https://stacklist.com/card/36491104-6695-48ab-abba-93decefa2f26","md":"/api/public/card/36491104-6695-48ab-abba-93decefa2f26.md","stack_json":"/api/public/stack/18dc176e-a09f-42b8-91d7-c46da810bdaa.json"}}