Based in Jacksonville, Florida Mortgage Lender Kristine Kennedy of Right Start Mortgage, Inc DBA GFS Home Loans is committed to finding home buyers the best loan for their situation at the best rate while having a smooth and stress-free experience. In addition to many down payment assistance programs for first time home buyers, Kristine Kennedy also offers many loan products including Conventional, FHA, VA, Jumbo, Condo, USDA and Manufactured or Mobile Home Loans.