Derek Emerson

Derek Emerson
Mortgage Loan Officer, NMLSR # 453565

1200 Riverplace Blvd

Jacksonville, FL 32207

About me

Background

 As a trusted advisor with Truist mortgage, I offer more than 29 years of industry experience and an extensive practice in originating both purchase and refinance home loans.  My goal is to build better lives and communities by offering my clients professional guidance and support they need to make their home financing decisions.

I know my clients expect quick responses, and I make it a priority to keep constant and open client communications. Through our blend of digital and personal interaction, I provide a distinctive, secure, and successful client experience. 

My first priority is to deliver an exceptional home financing experience. My passion is “home” and it is at the center of all that I do. As a Truist Mortgage Loan Originator, I serve with integrity to uphold the highest standards because everyone and every moment matters. Whether it is your first time buying a home or if you are an experienced homebuyer, I am committed to finding the best loan option and competitive rate to match your goals.

Truist’s Purpose: Inspire and build better lives and communities

Education

Accounting
University of North Florida 1992

Areas of Focus

  • Explore a variety of jumbo mortgage loan financing options to put the home you’ve always dreamed of within reach.

    • Access larger loan amounts at competitive interest rates.
    • For primary residences and second homes, including condominiums.
    • Maximum loan amount varies by loan type, ranging from $3,000,000 to $5,000,000.
  • 100% financing at competitive rates and low monthly payments.

    • For qualifying veterans and surviving spouses.
    • 100% financing available with no down payment.
    • Borrowers exempt from monthly mortgage insurance premiums.
  • Enjoy some of the best rates and terms for a low down payment mortgage designed for doctors and dentists.

    • Qualified physicians receive special privileges including lower rates and greater purchasing power, even if you have student loans.
    • Doctors can get up to 100% financing with no monthly mortgage insurance payments.
    • Borrowers will receive favorable repayment terms to help meet the financial reality of practicing medicine.
  • You’ve decided to build your dream home. Save time and money with a construction-to-permanent loan.

    • Offers affordable, interest-only payments during construction.
    • No penalties are assessed for prepayment.
    • One upfront closing with one set of closing costs provides the financing for the lot, construction and mortgage.

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