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(850) 400-3797

Welcome to 1st Florida Mortgage
Your Panama City Mortgage Lender

LOW RATES. LOW FEES. FAST CLOSINGS.

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Our Popular Panama City Home Loans

30 Year Conventional, FHA, VA and USDA loan options
Conventional Fixed

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Primary, 2nd Homes &
Investment properties

FHA Rates

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Great for 1st time home
buyers, only 3.5% down

VA Rates

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100% Loan to $424,100
Tx Vet Program Available

USDA Rates

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100% Financing Options
Rural Properties

Rates current as of . Rate Assumptions

Panama City Jumbo Loans

Jumbo Home Loans
Jumbo Home LoansLoans over $417,000

Conventional Mortgage

  • Freddie Mac and Fannie Mae
  • Direct Lender
  • 97% Loan to Value
  • 90% Loan to Value High Balance

Panama City Jumbo Mortgage

  • Loan Amount to 3 Million
  • 80% Loan to Value
  • Fixed Rates and Adjustable Rates (ARMS)

Panama City VA Loans

VA Home Loans
VA Home LoansProudly serving our US Vets!

VA Mortgage Advantages

  • Zero Down Payment to Conforming Limits
  • NO Monthly Mortgage Insurance
  • Low Rates / Easier Credit Qualifying
  • Fewer Debt to Income Restrictions
  • Lower Credit Scores / Alt Credit OK
  • Jumbo Available with Down Payment
  • 4% Seller Concessions
  • Funding Fee Can be Financed

Panama City FHA Loans

FHA Home Loans
FHA Home Loans1st Time Home Buyers

FHA Mortgage Benefits

  • Great for First Time Home Buyers
  • 3.5% Down Payment
  • Low Rates / Easier Qualifying
  • Lower Credit Scores / Alt Credit OK
  • Down Payment Assistance Allowed
  • Higher Debt to Income Allowed
  • Co-Borrowers Allowed
  • Streamline Refinance Available

Panama City Home Loans

California-Home-Loans-Office

6710 Professional Parkway W #213
Lakewood Ranch, Florida 34240
Toll Free: (800) 501-2131

Panama City Home Loans & Mortgage Refinance

1st Florida Mortgage is your premiere mortgage team located in Panama City, FL. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Florida area. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of Mortgage Loan officers can help you take that first step toward a financial solution. With over 30 years of experience, we know what we are doing and can get you to the closing table.  We close on time, as promised – we strive to close all loans in 28 days or less!  As Panama City’s leading Mortgage Company we alleviate the typically drawn-out loan process, pre-approving borrowers within one hour and providing a written pre-approval certificate to present with their purchase contract. We have the technology to make the process easier than they have ever imagined.

 

We are committed to providing our clients with the highest quality service for your mortgage needs. Combined with the lowest rate and multiple loan programs available in Panama City, FL. Our outstanding mortgage professionals with years of experience will work with you one-on-one to ensure that you get the home loan that is tailored specifically to meet your situation and expectation. Whether you are purchasing your dream home, first home, refinancing an existing loan, or consolidating debt, our highly experienced team of loan officers can help you find the right loan program at the lowest rate possible.

 

Our ultimate goal is to create a lasting relationship with each of our clients that we may continue to provide excellent service for many years to come. We ask you to research our reviews online and see what our past customers in Panama City are saying about us.

Our Mortgage Loan Process

Panama City Home Loans

  • Direct Lender with Low Rates & Fees
  • Fast Closings & On Time Fundings
  • Same Day Pre-Approvals
  • 28 Day Closings!

Value of the 1st Florida Mortgage Difference
(it’s our people!)

Dale Gremillion
Sr Loan Officer

Russell Stout
Sr Loan Officer

Shelly Gremillion
Sr Loan Officer

Ryan Collins
Client Relations Specialist

Panama City Mortgage Lenders | FHA, VA & USDA Home Loans

To speak directly with an experienced mortgage professional, simply give us a call anytime or feel free to utilize any of the interactive tools offered throughout the site. We look forward to working with you.

 

For new home purchases in Panama City, we offer same day approvals and strive to close all loans in 28 days or less. We specialize in FHA home loans, VA home loans and Jumbo loans.  Call today for a free good faith estimate and let us earn your business!

PANAMA CITY MORTGAGE LENDING: CALL US TODAY (407) 392-4031

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