Have you heard of an FHA 203K loan? If you are buying a home with financing and it is in need of repairs you may be able to qualify for a loan that includes the costs of renovations to the home. I am not a mortgage lender so I am not qualified to give you requirements and details but if you contact several lenders in Jacksonville such as Wells Fargo, BOA or PNC they will be able to go into detail for you and even start the pre-approval process. Good luck!
Jeff Metcalf, REALTOR(R)
Watson Realty Corp.