About Gary
About Gary Burmeister, Jacksonville Loan Officer
Gary Burmeister has worked in mortgage lending since 1999. Florida-licensed Loan Officer with First Coast Mortgage Funding, NMLS #252082.
Born and raised in Jacksonville, Gary helps buyers, homeowners, investors, and Realtors understand the complete transaction—not simply select a loan name or chase a headline rate.
Professional facts
Gary Burmeister has worked in mortgage lending since 1999 across both the broker and retail sides of the business. He is licensed in Florida and primarily serves Duval, St. Johns, Clay, Nassau, and Flagler Counties. His work includes conventional, VA, FHA, USDA, jumbo, down-payment-assistance, self-employed, investor, renovation, bridge, condominium, and home-equity financing.
Professional background
Gary began his mortgage career in 1999 and has worked on both the broker and retail sides of lending. He now serves clients through First Coast Mortgage Funding. That background gives him perspective across program structures, documentation paths, property questions, and the many dependencies that can affect a closing.
Philosophy
The right mortgage conversation begins with the client’s real goal, full financial picture, property, timeline, and tolerance for tradeoffs. Gary’s standard is to give truthful answers, explain the reasoning, identify concerns early, and never promise an approval, rate, or closing result that is not his to guarantee.
A practical process
Gary listens first, reviews the complete scenario, compares legitimate options, explains costs and tradeoffs, sets expectations, and stays involved through closing. When a problem appears, the work is to diagnose it, bring in the right people, communicate clearly, and evaluate available solutions.
Personal guidance with team support
Gary remains involved in the client relationship while working with First Coast Mortgage Funding’s loan partners, processors, and operational staff. The purpose of that support is coordinated follow-through—not a promise that every transaction will be simple or every loan will close.
Actual areas of experience
Gary works with conventional, FHA, VA, USDA, jumbo, first-time buyer, and down-payment-assistance scenarios. Depending on current availability and eligibility, he can also evaluate self-employed and alternative-documentation paths, investor and DSCR financing, bridge and renovation scenarios, HELOCs and second mortgages, and specialty situations such as physician, foreign-national, non-permanent-resident, non-warrantable-condo, and other non-QM loans.
Jacksonville and Northeast Florida
Gary’s primary market includes Jacksonville and Duval, St. Johns, Clay, Nassau, and Flagler Counties, including St. Augustine, Ponte Vedra, Orange Park, Middleburg, Green Cove Springs, Fernandina Beach, Amelia Island, Palm Coast, Jacksonville Beach, and Atlantic Beach.
Why experience helps
Mortgage decisions often turn on how income, assets, credit, property, insurance, appraisal, timing, and program rules interact. Experience helps Gary ask better questions earlier, show the consequences of different choices, and help the consumer make a more informed decision—even when the clearest answer is to pause or take a different path.
Professional identity
Gary Burmeister, Loan Officer, NMLS #252082. First Coast Mortgage Funding, Company NMLS #1953441.
A clear next step
Tell Gary what you are trying to accomplish.
A useful mortgage conversation starts with your actual goal, timeline, property, and financial picture.