★★★★★
“Professional, responsive, and really took the time to walk me through the whole process. I appreciated how smooth and stress-free she made everything.”Quincy Reese
Florida + Georgia mortgage guidance
Real guidance. Creative solutions. Mortgages that make sense, with a few laughs all the way home.
I’m Marta Lillard, a mortgage broker who has worked in the mortgage business since 2000, from servicing to lending. I absolutely hate sales, but I genuinely love people. I listen to your story, explain your options, solve problems, and find the right loan for your situation—not shove you into the same box as everyone else. I communicate quickly, overshare a little, and somehow become emotionally invested in your life. Somewhere along the way, a mortgage happens, and I guide you all the way to the closing table. Apparently, that’s my business model: education, never selling—and honesty before hype.
I work with 20+ lenders and do the rate shopping for you. I compare rates, loan options, and costs to help find the right fit for your goals. You get choices, straight answers, and one person to guide you through it all.
Serving Jacksonville, North Florida, and borrowers throughout Florida and Georgia.
Marta LillardYour Loan Officer For Life
Local expertise
Florida roots. Georgia reach.
I help borrowers throughout both states, with a strong local focus on Jacksonville and North Florida. Insurance, property type, taxes, construction, and location can all affect the loan plan. We talk about those details early.
See where I lend →Client reviews
Mortgage guidance people remember for the right reasons.
Real feedback from borrowers who wanted straight answers, responsive communication, and a loan officer who stayed involved.
★★★★★
“She is genuine, straightforward and diligent. True customer service in a world where it seems to be a lost art.”Brandon Johnson
For Realtors
Bring me the difficult deal.
Fast preapprovals and regular updates matter. So does knowing when a property, income stream, or guideline needs a closer look. I help identify the problem early and work the scenario with you.
Visit the Realtor CenterFast answersClear feedback on buyer qualification and next steps.
Property knowledgeConstruction, manufactured homes, appraisals, private roads, and more.
Hands-on problem solvingBecause “the computer said no” is not a strategy.