Welcome to the official site of Sharp Mortgages, Inc. We are a full-service mortgage company based in Jacksonville, Florida. We specialize in first-time home buying in Jacksonville and Ponte Vedra. We also serve the surrounding cities in Duval County, St. John's County, and Clay County. Whether you are buying a home or refinancing in any of these zip codes: 32216, 32082, 32256, we can help you realize your dream of home ownership or save you money when getting your new lower monthly payment.