1st Florida Mortgage

At 1st Florida Mortgage, we are dedicated to providing our clients with the best possible experience when it comes to buying or refinancing a home. As a local lender, we understand the importance of having a reliable and knowledgeable partner to guide you through the process. Our team of experienced mortgage professionals is here to provide you with the highest level of customer service, ensuring that your home buying or refinancing journey is as smooth and stress-free as possible.

Our mission is to provide our clients with low rates, low fees, and fast closings. We are a technology-driven company that has streamlined the home buying process, making it easier for you to navigate the complex world of mortgages. Whether you're purchasing a new home or refinancing your current one, we have the tools and expertise to help you achieve your goals.

Our Services

At 1st Florida Mortgage, we offer a wide range of loan options to meet the unique needs of our clients. These include:

• Conventional Loans: Perfect for primary, second homes, and investment properties, our conventional loans offer up to 97% financing with no up-front funding fees. We also offer renovation loan programs to help you make your dream home a reality.

• VA Home Loans: Designed for veterans and active-duty military personnel, our VA loans offer zero down, 100% financing, and no monthly mortgage insurance. Plus, there are no debt-to-income restrictions and a jumbo option with a down payment.

• FHA Loans: Great for first-time buyers, our FHA loans offer low down payments and easier credit qualifying. You can also take advantage of our 203K renovation loans to finance repairs and improvements.

• USDA Home Loans: Ideal for rural properties, our USDA loans offer 100% financing, primary residence only, and closing costs can be rolled into the loan. Repairs can also be rolled into the loan, making it easier to get into your dream home.

• Jumbo Loans: For those looking for larger loan amounts, our jumbo loans offer competitive rates and terms that cater to your specific needs.

Why Choose Us?

At 1st Florida Mortgage, we pride ourselves on our commitment to customer service and upfront lending. Our goal is to close every loan in 28 days or less, ensuring that you can move into your new home as quickly as possible. With in-house underwriting, processing, and closing, we have the ability to make decisions fast and close your loan fast.

We understand that buying or refinancing a home can be a stressful and overwhelming experience. That's why we're here to help every step of the way. Our friendly loan officers are dedicated to providing you with the highest level of customer service, ensuring that you feel supported and informed throughout the entire process.

Whether you're purchasing a new home or refinancing your current one, we have the tools and expertise to help you achieve your goals. Contact us today to learn more about our loan options and how we can help you achieve the American dream of homeownership.