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Welcome to 1st Florida Mortgage!
Your Pensacola Mortgage Lender

LOW RATES. LOW FEES. FAST CLOSINGS.

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Our Popular Pensacola 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

Pensacola Jumbo Loans

Jumbo Home Loans
Jumbo Home LoansLoans over $417,000

Pensacola Conventional Mortgage

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

Pensacola Jumbo Mortgage

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

Pensacola VA Loans

VA Home Loans
VA Home LoansProudly serving our US Vets!

Pensacola 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

Pensacola FHA Loans

FHA Home Loans
FHA Home Loans1st Time Home Buyers

Pensacola 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

Pensacola Home Loans

California-Home-Loans-Office

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

Pensacola, FL Mortgage Lenders | Home Loans & Mortgage Refinance

1st Florida Mortgage was founded in 1998 by Ryan Collins and Dale Gremillion. Together they put their 40 years of industry experience into a concept that combines competitive programs, rates, and fees in a high service environment. Dedicated to maintaining the highest ethical standards to its customers, agencies, and lenders, 1st Florida Mortgage of Pensacola is committed to customer satisfaction.

 

Approved with many of the nation’s most aggressive lenders, we are able to deliver most loan program available in today’s marketplace. 1st Florida Mortgage has over 10 licensed Loan Officers qualified to do mortgages. Our Loan Officers come from diverse backgrounds, which give us the ability to communicate with everyone. We have Loan Officers who speak virtually every language to better communicate with our customers. The delivery of our products and services is unsurpassed in the residential lending industry. We are committed to building long-term relationships. By choosing a lender that ensures the smoothest possible process from application to closing, you will allow us to be the “key” to your financing needs. Let our local Pensacola mortgage group take care of you! We are here to help answer your questions and can get you pre-approved before you go shopping for your new home. We look forward to earning your business!

 

1st Florida Mortgage is a direct lender and as such, we have in-house underwriters that can make fast decisions and close loans quickly. Whether a first time home buyer needing a FHA loan, US military in need of a VA mortgage, or Jumbo mortgages, we can pick the best loan program for your individual needs. We specialize in Pensacola new home purchases, jumbo home loans and mortgage refinance.  VA home loans and FHA home loans for our US military and 1st time home buyers also available. Call today for a free good faith estimate!

Our Mortgage Loan Process

Pensacola 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

Pensacola Mortgage Lenders | FHA, VA & USDA Home Loans

As a full-service mortgage bank, 1st Florida Mortgage controls all elements of your mortgage transaction, from application to approval to in house underwriting and service of your loan. Our streamlined, hands on approach to mortgage banking allows us to make decisions that make sense. 1st Florida Mortgage of Pensacola consistently meets or beats any mortgage banking firm in the country.

 

Let us help finance your next home with local customer service, low interest rates, a quick decision and a quality of service after the deal that few others can match. We pride ourselves on providing superior customer service and creating satisfied customers. We work hard to satisfy the mortgage needs and exceed the expectations of our customers. Our Pensacola customers save money and close their loans quickly because we employ the most advanced mortgage technology available. Highest Quality Mortgage Services – From mortgage processing and underwriting, to loan closing and funding, our expert mortgage staff will efficiently expedite your entire transaction. We’ll keep you informed every step of the way. We’re committed to building rewarding, long-term customer relationships. With that in mind, you’ll receive the highest quality mortgage services.

 

We specialize in FHA home loans for 1st time home buyers and VA home loans for your US Veterans. Call today for a free good faith estimate and let us earn your business!

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

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