Get to know John
JP Picone Founder & President | JP First – The No-Fee Mortgage Team Palm Beach County, Florida JP Picone is the Founder and President of JP First | The No-Fee Mortgage Team, a Florida-based mortgage brokerage built on strategy, transparency, and real savings. JP is known for structuring loans the right way the first time. Whether you're a first-time homebuyer, seasoned i
Why choose John?
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Questions? John has answers.
We prompted questions to John so you can learn more about their skills, preferences, and availability.
Phone, Zoom, Google Meet, text, or in person at our office or a location convenient for the client. I’m available evenings and weekends because real estate doesn’t run on banker’s hours.
Honesty, clear communication, and structure. I explain the numbers upfront, set realistic expectations, and guide clients step-by-step so there are no surprises at underwriting or closing. My goal is
I work with both first-time buyers and real estate investors, I simplify everything — breaking down payments, insurance, taxes, and loan options so they feel confident.
We can start with a no-impact soft credit review and full scenario analysis. That allows us to evaluate eligibility and structure options before moving to a formal credit pull. When it’s time for a ha
I work with trusted local realtors, insurance agents, title companies, inspectors, and contractors throughout Florida. Because I’m actively involved in the transaction from contract to close, I can co