Dan McKinney
Florida Real Estate Broker, Instructor & Mortgage Loan Originator
NMLS# 2837825 | FL Broker# BK3172314 | Serving St. Johns County & Jacksonville, FL
Daniel "Dan" McKinney is a Jacksonville native and one of Northeast Florida's most credentialed real estate professionals. With 35 years of experience and an uncommon breadth of credentials — spanning brokerage, instruction, and mortgage origination — Dan delivers a depth of expertise, and a level of access, that almost no other agent in the market can match.
"Anticipate and Deliver. Be Exceptional! — On time, responsible, and a real listener. I find my customers the perfect home through education, information, and support — never pressure."
MEET DAN McKINNEY
Daniel "Dan" McKinney is a Jacksonville, Florida native who has spent his life serving his community — first in uniform, and now as one of Northeast Florida's most credentialed real estate professionals. Dan is a dedicated husband, father, and grandfather, with deep family roots in the area he serves.
Before real estate, Dan served in the U.S. Army and the Department of Defense as an Air Traffic Controller — a career that required exceptional focus, calm under pressure, and the ability to manage complex moving parts in real time. Those instincts now define how Dan handles every real estate transaction.
With 35 years in real estate — making him one of the most experienced agents you'll meet — Dan has also built a portfolio of complementary credentials that gives his clients access to an entire ecosystem of expertise through a single trusted professional.
When Dan represents a buyer, he shows up to every showing with a series of professional home inspection tools — getting a real read on the property BEFORE an offer is written and earnest money is deposited. This saves his clients from paying for an "official inspection" until contractually required. When he represents a seller, he is the single point of contact from start to finish. And one promise Dan makes to every client: "When you call me, you talk to me. No voicemail jail."
Dan added his Mortgage Loan Originator license to streamline the journey from pre-approval to closing. With direct access to the processor and underwriter — without waiting on another MLO to relay information — he can move deals forward faster and protect his clients' timelines.
Outside of work, Dan stays sharply tech-savvy and gives back through one of the most meaningful hobbies of any agent we work with: community Search & Rescue / Recovery work using Sonar and FLIR (thermal imaging) technology to help find missing people and lost pets across the area. The same skills that make him exceptional at real estate — precision, patience, and the will to find what others miss — show up everywhere in his life.
Now in his 60s, Dan stays active in real estate because he genuinely loves it. He never pushes and never pressures — only educates, informs, and supports his clients' decisions. His past clients become lifelong friends who frequently refer their family, and that's exactly the kind of business he's spent 35 years building.
SEVEN ACTIVE LICENSES, ONE TRUSTED EXPERT
For the benefit of every buyer and seller he represents, Dan continuously maintains seven licenses — all of which connect directly or indirectly to the real estate process. This isn't résumé padding; it's how Dan gives his clients access to an entire ecosystem of expertise without making them hire seven different professionals.
Sales Associate
Florida real estate sales agent
Broker Associate
Florida real estate broker level
FL Real Estate Instructor
Teaches the field professionally
FL LCAM
Community Association Manager
FAA Part 107
Licensed drone pilot
Life Insurance
Family protection planning
Mortgage Loan Originator
Direct lending & pre-approvals
EDUCATE. INFORM. SUPPORT.
Dan coordinates your real estate transaction and your financing as a single trusted point of contact — combining 35 years of brokerage expertise with a no-pressure, education-first philosophy that turns clients into friends.
- 35 Years in Real Estate
- Florida Real Estate Broker & Instructor
- Professional Inspection Tools at Every Showing
- Immediate Response — No Voicemail Jail
- Available Nights & Weekends
THE McKINNEY ADVANTAGE.
35 Years of Mastery
Three and a half decades in real estate — Dan has navigated every market condition and every kind of transaction with steady, calm expertise.
U.S. Army Veteran
Served as an Air Traffic Controller — focus, calm under pressure, and managing complex moving parts in real time are second nature.
No Voicemail Jail
"When you call me, you talk to me." Immediate response — no answering services, no callback queues, no chasing.
Inspection Tools On-Site
Dan brings professional home inspection tools to every showing — getting a real read BEFORE an offer is written, saving you money before earnest money is paid.
WHO I SERVE
Dan's ideal clients are people who know what they need and can communicate it effectively — people who understand that he's only interested in their happiness. He never pushes or tries to convince — he educates, informs, and supports your decisions. Three and a half decades into his career, Dan does this work because he genuinely loves it.
LOAN PRODUCTS OFFERED
VA
$0 down financing for veterans, active military, and eligible spouses — Dan's #1 highlight, with firsthand understanding of military life.
FHA
Lower down payment options ideal for first-time buyers and growing families — a Dan specialty.
Conventional
Flexible options for buyers with strong credit and stable income — one of Dan's main focus areas.
Construction
Build-to-own financing for clients designing their dream home from the ground up.
Renovation (203k)
FHA 203k and conventional rehab loans — roll renovation costs directly into your mortgage.
Refinance
Rate & term and cash-out refinance options — lower your rate, shorten your term, or access your equity.
HOW THE PROCESS WORKS
Discovery
Listen first, understand your needs
Pre-Approval
Direct access — no MLO relay delays
Home Search
Inspection tools at every showing
Underwriting
Streamlined processing via Direct Rate
Closing
Anticipated, delivered, exceptional
REQUEST CONSULTATION
(904) 894-8235
Dan.McKinney@DirectRateUSA.com
DirectRate, LLC | NMLS# 2837825 | FL Broker# BK3172314
Equal Housing Opportunity Lender. Licensed in FL.
