Get to know me
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
My experience
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What you can expect from me.
Find answers to my most-asked questions, covering everything from how I'll support you to what you need to start the process.
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