Mortgage rates are ridiculously low. Mid to high 4's are historic lows and some estimates are this will be the last we see of these for several decades.
Mortgage rates are rising! Most estimates state they will rise by a full 1% point this time next year. Of course, it'll be a steady rise, so everyday you wait could cost you more money on a monthly basis.
BONUS: Jacksonville is widely seen as an undervalued market. If you are buying a home to live in with your family, and you intend to be there for 5+ years, you have the benefit of Jacksonville's coming upswing in home values! It's happening.