★★★★★
“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.
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.
Fast 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.