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As a local direct Florida home mortgage lender, 1st Florida Mortgage has the flexibility unavailable to traditional mortgage brokers as we control the transaction from application to funding. As consummate mortgage professionals, every 1st Florida Mortgage employee from the top down is committed to providing excellent customer service throughout the entire loan process.  Not sure which home loan types is right for you? Please contact us today and we will walk you through your options and match the perfect loan for your individual lending scenario and help find the best rates and fees.


A “fixed-rate” home loan in Florida comes with an interest rate that won’t change for the life of your mortgage. A “conventional” mortgage is also knows as a “conforming” mortgage because it is a loan that conforms to established guidelines for the size of the loan and your financial situation. Conventional loans typically offer lower interest rates than FHA, VA and Jumbo mortgages. Terms of these conventional loans typically range from 10, 20 and 30 years.

Monthly principal and interest payments on a conventional fixed-rate mortgage remain the same for the life of the loan making it an attractive option for borrowers who plan to stay in their home for several years. By choosing a shorter fixed rate option on your Florida mortgage, you can realize a substantial savings and interest over the life of the loan.



The alternative to the fixed-rate mortgage is the adjustable-rate mortgage (ARM), which features lower monthly principle and interest payments during the first few years and will adjust based on current index rates at that time. While many prefer the security of a fixed-rate loan, an ARM may be a better option as they offer lower rates, especially if you know you’ll be moving or will be refinancing in the future.

Adjustable rate loans are less popular and typically used when the fixed rates are higher, adjustable rate mortgages (arms) are a great fit for home buyers who plan to sell or refinance their home between 1 and 10 years and are looking for the lowest possible mortgage rate available. Adjustable rate mortgages are fixed for an initial period. After that, the interest rate will either go up, or down depending on market conditions of the index for the particular loan.  All adjustable rate mortgages do have a max cap adjustment.



An FHA loan is a type of government-backed mortgage insured by the Federal Housing Administration, a branch of the U.S. Department of Housing and Urban Development, or HUD. FHA borrowers pay for mortgage insurance, which protects the lender from a loss if the borrower defaults on the loan.

FHA loan require less down and don’t require stellar credit to qualify; for an FHA loan with a down payment as low as 3.5 percent, the borrower’s credit score must be 580 or higher.   Credit-score requirements for FHA loans depend on the down payment.  As an approved FHA Florida lender, we can provide you with a free credit report and help you determine if you qualify for an FHA home loan.



Military homebuyers have access to one of the most unique and powerful loan programs ever created. The VA Loan is a mortgage loan issued by approved lenders and guaranteed by the U.S. Department of Veterans Affairs (VA). The program was created in 1944 by the United States government to help returning service members purchase homes without needing a down payment or excellent credit. This VA program has helped veterans, active duty military members and their families purchase homes or refinance their current mortgages.

1st Florida Mortgage specializes in VA home financing and has been serving us military since we opened our doors.  As a direct mortgage banker, you will experience the benefits of having your VA loan underwritten, approved and closed all from our local Florida professionals.



For home mortgages with a loan amount exceeding (varies by county) conforming limits, 1st Florida Mortgage offers a variety of jumbo loan programs to fit your purchase or refinance needs. You can choose between a fixed or adjustable rate depending on your financing goals. Loan limits up to $4,000,000.

For home mortgages with a loan amount exceeding (varies by county) conforming limits, 1st Florida Mortgage offers a variety of jumbo loan programs to fit your purchase or refinance needs. You can choose between a fixed or adjustable rate depending on your financing goals.



If you are purchasing a home in a rural area of Florida, then your property may qualify for a USDA home loan.  The USDA might have one of the government’s least-known mortgage assistance programs, but offers 100% financing – zero down payment for rural and suburban homebuyers. USDA loans are issued through the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program, by the United States Department of Agriculture.


Not sure which loan type is right? Let us help compare options.

CALL TODAY (407) 392-4031

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