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1st Florida Mortgage - Home Loans & Refinance
Headquartered in Tampa, FL – we are a local mortgage company serving all of Florida. We specialize in FHA, USDA, and VA loans and offer competitive rates, low fees, and fast closings. Local lender with top notch customer service!
- Competitive Rates
- Direct Lender
- In-House Underwriting
- FHA, VA, USDA & JUMBO
- Local Customer Service
- Same Day Approvals
Our Florida Home Loan Programs
FLORIDA HOME Loans
We specialize in new home loans in Florida providing our clients with a wide range of new loan products:
- Primary, 2nd Home, Investment
- Low Rates & No Fee Options
- FHA, VA, USDA, and Conventional
Conventional Home Loans
Conventional loans offer favorable terms, including lower mortgage insurance and lower interest rates.
- 30, 20 and 15-Year terms
- Financing up to $766,500
- Primary, secondary, investment
FHA HOME Loans
FHA home loans are perfect for first time home buyers in Florida, but you don’t have to be a first time buyer.
- Only 3.5% Down Payment
- Easier Credit Qualifying
- 203k Renovation Loans
- 1st Time Home Buyers
VA HoME Loans
Approved VA lender in Florida with low rates – we are here to help our Florida Vets maximize their benefits.
- Zero down, 100% Financing
- No Monthly PMI
- No Debt to Income Restrictions
- Jumbo with Down Payment
FLORIDA JUMBO LOANS
Jumbo Mortgages in Florida up to $3,000,000; financed through private investor programs- flexible terms.
- Loans up to $3,000,000
- Primary & Secondary Homes
- Investor Specific Guidelines
- Credit Score Minimum
MORTGAGE REFINANCE
Easy mortgage refinancing in Florida –unlock savings with lower rates and refinance today for better terms.
- Cash Out Refinance
- Debt Consolidation
- FHA Streamline
- VA IRRRL’s
1st Florida Mortgage
Close on Time
In-house underwriting, processing and closing for fast approvals
Low Rates
Florida Mortgage Company – FHA, VA, and USDA Approved Lender.
Service
Local Florida mortgage lender with local customer service. Read our reviews!
Your Florida Mortgage Experts
Direct mortgage lender offering low rates, in-house underwriting, and unbeatable service. As a direct lender with local expertise, we make home financing in Florida easy and hassle-free.
Why Choose Us? It's Our People!
Shawn Dulac
Sr. Loan Officer
NMLS #1320463
James Hair
Sr. Loan Officer
NMLS #1680348
Roman Balley
Production Manager
NMLS #2267211
Ryan Collins
Branch Manager
Florida Mortgage Company
Helping Open Doors Since 2007
Headquartered in Tampa, FL we are right around the corner and can close loans anywhere in the state of Florida. As a direct lender we can offer in-house underwriting and processing not available to traditional mortgage brokers. That means we can close loans fast!
We strive to close all loans in 28 days or less. Our mission statement is simple: integrity, customer service and upfront lending. It’s this simple recipe has propelled us to one of the top mortgage companies in Florida.
We are an approved Florida lender for FHA loans, VA loans, and USDA loans and specialize in new home purchases. Call to speak with one of our Florida loan officers or jump in front of the line and apply online.
1st Florida Mortgage – Trusted Florida Mortgage Lender
At 1st Florida Mortgage is powered by First Option Mortgage LLC and we are a technology driven mortgage company. We believe that the process of obtaining a home mortgage should be streamlined and hassle free. As a technology driven company we can process mortgage loans quickly- 1st Florida Mortgage knows your time is valuable, our goal is to make your home loan experience simple and as painless as possible. Whether a FHA loan, VA loan for our US veterans, or USDA home loans, we can structure the perfect home loan for your individual needs.
We are a direct mortgage lender in Florida for new home purchases and mortgage refinance. Let our Florida loan officers answer your questions and provide you with a no cost loan estimate. Apply Online in Minutes or Call (407) 392-4031 .
Today's Florida Mortgage Rates
Call (855) 314-2220
Discover the difference with 1st Florida Mortgage, your trusted local mortgage company specializing in residential home loans. As a direct Florida mortgage lender with in-house underwriting, we offer unparalleled control and flexibility, ensuring a seamless loan process tailored to your needs. Our Florida-based underwriters are experts in state-specific guidelines, providing you with a smooth and efficient home financing experience.
