Military families & veterans
VA financing and PCS guidance from someone who understands military life firsthand.
Explore this pathNortheast Florida mortgage guidance
Mortgage guidance for Northeast Florida homebuyers.
Clear answers. A smarter plan. A mortgage that fits your life. Kelly Capozzi helps homebuyers understand their options and move forward with confidence—without the mortgage jargon or sales pressure.
Serving homebuyers across Florida, Georgia, and Pennsylvania.
Local guidance for St. Johns, St. Augustine, Ponte Vedra, Nocatee, and Jacksonville.
CVLS certifiedVeterans Lending Specialist
Northeast Floridalocal expertise first
FL • GA • PAstates licensed
Mortgage advice, the Kelly way
More real life. Less mortgage-speak.
Ask the question. Even the one you think you should already know.
Know the numbers. Before the dream kitchen steals the show.
Keep explaining. If the plan does not make sense yet, we are not done.
Where do you fit?
Mortgage advice should start with your real life.
Your income, timeline, service history, property, and long-term goals all matter. Choose the path that sounds most like you.
First-time & DPA buyers
A clear plan for down payment, closing costs, assistance options, and the steps ahead.
Explore this pathSelf-employed borrowers
Thoughtful guidance for business owners whose income does not fit neatly into a standard box.
Explore this pathReal estate investors
Financing conversations built around the property, the strategy, and the complete scenario.
Explore this path
Meet your mortgage guide
Part Loan Officer. Part educator. Always in your corner.
Kelly is an Army brat, a military spouse of more than 17 years, and a homebuyer who has personally purchased three homes using the VA loan benefit. Her background in mortgage marketing and business development helps her make complicated information easier to understand.
Certified Veterans Lending SpecialistFocused mortgage guidance for veterans and military families.
Local knowledge matters
Northeast Florida is not one-size-fits-all.
Taxes, insurance, CDD fees, HOAs, commute patterns, and new-construction choices can change the full picture. Kelly’s primary markets include St. Johns County, St. Augustine, Ponte Vedra and Nocatee, and Jacksonville.
Explore all areas“The goal is not just to get you to closing. It is to help you understand your options and feel confident in the plan.”
Kelly’s mortgage philosophy
Trusted guidance
What recent clients say about working with Kelly.
Real feedback from Kelly’s Google Business Profile, where she has a 5.0 rating from 14 reviews.
★★★★★
“Extremely professional and knowledgeable…takes the time to explain details.”
★★★★★
“Knowledgeable, super responsive…made the entire process stress free.”
For real estate partners
Bring the scenario. Get a straight answer.
Kelly supports Realtor partners with fast scenario reviews, thoughtful preapprovals, and local co-marketing content.
- How much can the buyer qualify for?
- Can we close on time?
- How much can the seller contribute?
Quick answers
Mortgage guidance, answered clearly
Who is Kelly Capozzi?
Kelly Capozzi is a Mortgage Loan Officer with First Coast Mortgage Funding LLC, NMLS #2553001. She is a Certified Veterans Lending Specialist, an Army brat, a military spouse of more than 17 years, and a three-time VA-loan homebuyer.
What areas does Kelly Capozzi serve?
Kelly provides mortgage guidance to borrowers in Florida, Georgia, and Pennsylvania, with a primary local focus on St. Johns County, St. Augustine, Ponte Vedra, Nocatee, Jacksonville, and Duval County.
What loan programs does Kelly Capozzi offer guidance on?
Kelly works with VA, FHA, conventional, down payment assistance, USDA, manufactured-home, bank-statement, DSCR, construction-to-permanent, and home-equity financing. Available options depend on the borrower, property, occupancy, and current program rules.
Your next move starts with a conversation.
Bring your questions. Kelly will help you understand the options, the tradeoffs, and the next right step for your situation.