About Marta Lillard

Marta Lillard, Mortgage Broker in Jacksonville, Florida

Wife. Mom. Professional overthinker. Chaos coordinator. Part-time comedian. I am also a mortgage broker with 25+ years in servicing and lending, licensed in Florida and Georgia, and the person who will explain the numbers without hiding behind mortgage mumbo jumbo.

Marta with her husband and daughter by the water

What I believe

Show people their superpowers.

The way I approach mortgages is the way I approach people: do the work, be honest, and use what you know to help someone else see what is possible.

To inspire people, do not show them your superpowers. Show them theirs.

Experience you can use

I am a Loan Officer with First Coast Mortgage Funding, Personal NMLS #879436 and Company NMLS #1953441. My background includes mortgage servicing, origination, complex files, and 16 years working with manufactured-home repos and foreclosures.

How I work

The right mortgage starts with an honest conversation about your goals, payment, cash, property, and timing.

Educate before selling
Recommend the right loan, not just any loan
Be direct when the answer is difficult
Communicate quickly and consistently
Guide you all the way to closing

What I know best

I help first-time buyers, veterans, military families, investors, and borrowers with complicated credit, income, construction, or property scenarios.

Conventional, VA, FHA, USDA, and jumbo
Down payment assistance
Construction and manufactured homes
Self-employed and bank statement loans
DSCR, investor, renovation, and refinance options

Ready when you are

Tell me what you want to accomplish. I will explain the numbers, lay out your options, and help you choose the smartest next step.

Stay connected