1st Florida Mortgage

Florida Home Loans, Done Right!

Low rates, low fees & fast closing

Purchase


Refinance

Your Reliable Mortgage Lender for Home Loans in Florida

1st Florida Mortgage is a trusted mortgage broker in Florida dedicated to helping individuals and families achieve their homeownership goals. With competitive rates, low fees, and a streamlined process, we specialize in new home loans, refinancing, and VA and FHA programs. Our commitment to exceptional service ensures a smooth and stress-free experience from start to finish. Let us help guide you to achieving your homeownership goals with ease and confidence.

Why 1st Florida Mortgage?

• Mortgage Broker shop with multiple wholesale lenders
• Fast Approvals expedited closing times and funding
• Customer Service: experienced, Florida loan officers

Home Loans, Done Right!

We’re a Florida-based mortgage broker offering low rates and exceptional service. With local expertise, we make home financing easy and hassle-free.

Get Pre-Approved

Your Local Florida Mortgage Company

Finding the right home loan in Florida is easy with 1st Florida Mortgage as your trusted partner. As a reliable local lender, we provide fast, personalized service and a variety of loan options, including FHA, VA, USDA, and Jumbo Loans, tailored to your needs. Conveniently based in Tampa, we proudly serve clients statewide, ensuring smooth and efficient closings to help you achieve your homeownership goals with ease.

Our mission statement is simple: Integrity, customer service and upfront lending. Our goal is to provide every client with transparent and straightforward guidance throughout the entire home loan process. It’s this simple formula that has propelled us to one of the top mortgage companies in Florida. 

Our Florida Home Loans

FLORIDA HOME Loans

Purchasing A new home?

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 

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Apply Now

Conventional Home Loans

30 and 20-year fixed rate

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

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FHA HOME Loans

FIRST TIME HOME BUYER?

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

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Apply Now

VA HoME Loans

FLORIDA VA LENDER

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

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FLORIDA JUMBO LOANS

NON-QM 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

Learn More


Apply Now

MORTGAGE REFINANCE

REFINANCE TODAY AND SAVE!

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 Refinance

Learn More


Apply Now

1st Florida Mortgage – New Home Loans

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 broker with local customer service. Read our reviews!

Your Florida Mortgage Experts

Trusted mortgage broker 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!

Meet the Team

Speak to a Florida Mortgage Expert

Call (855) 314-2220

Richard GriffenTampa, FL
I have done several loans with 1st Florida Mortgage over the years. They have always been upfront on required documents, fees, interest rates, and closing dates. Their communication was fantastic and their process easy. I hope I never buy another house, but if my wife makes me, I wouldn’t use anybody else!!!!

Veronica WaltersNaples, Florida
Just wanted to say “Thank You” and “Great Job” to everyone on the team who helped work on my loan. Great experience at 1st Florida Mortgage and my entire loan process was quick and painless and you delivered on what you promised. I really appreciated your loan platform that enabled me to securely upload all of my documents and provide updates on my loan. Shout out to Roman Balley who helped hold our hands through the entire process and was a real pleasure to work with. You guys are the best! Great experience and highly recommend!

Lauren GonzalesOrlando, Florida
James Hair is a very knowledgeable and attentive lender to have on your side. I couldn’t have asked for a better experience working with him and the whole team at 1st Florida Mortgage; I constantly recommend her to customers, family, and friends!

Gary SimmsPensacola, FL
1st Florida Mortgage (Sean Dulac) was the best-from the first phone call and I can honestly say there will be no last phone call-when he asked for docs I delivered and when I asked for something (answers) he delivered-very happy with the process he took my husband and I through and we are now blessed to own our dream home -I’ve already referred him
To our son and he will be ready to purchase probably in the next six months and told him that Sean Dulac is the man!!

Your Trusted Florida Mortgage Lender

Call (855) 314-2220

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Experience the 1st Florida Mortgage difference—your trusted local lender for residential home loans. As a mortgage broker we offer wholesale pricing that can not be matched by retail banks. Our Florida-based experts ensure smooth, state-specific financing, making homeownership easy and stress-free. From conventional loans to government-backed options, we proudly offer FHA, VA, and USDA home loans. Whether you’re a first-time buyer or looking to refinance, we’ll create the perfect loan solution for you. Let us help make your Florida homeownership dreams a reality—your journey starts here!
About Us

Local Florida Mortgage Company

We are a technology-driven mortgage company dedicated to making the home loan process fast and hassle-free. Our advanced tools streamline loan processing for a smooth, efficient experience.

Whether you need an FHA, VA, or USDA loan, we’re committed to finding the perfect financing solution tailored to your needs.

 Learn More

Home Loans Made Easy with 1st Florida Mortgage

Local mortgage broker in Florida for new home loans and mortgage refinance. We specialize in new purchases — FHA, USDA, VA and Jumbo home loans. Whether you are buying a new home or refinancing your existing mortgage, we’ve got you covered. Offering competitive rates, low fees, and fast closings—all with top notch service!

• Competitive Rates
• Direct Lender

• FHA, VA, USDA & JUMBO
• Same Day Approvals

Get Pre-Approved

Helping Open Doors in Florida Since 2006

Whether you are buying a new home or need to refinance your current mortgage – we’ve got you covered!  As a local mortgage company right here in Tampa Bay, FL we can close loans anywhere in the state: 

• Cape Coral
• Coral Springs
• Hialeah
• Fort Lauderdale

• Jacksonville
• Miami
• Naples
• Orlando

• Pembroke Pines
• St. Petersburg
• Tallahassee
• Tampa Bay

• West Palm Beach
• Port St. Lucie
• Pensacola
• Panama City

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