New Purchase or Refinance?
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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 Florida Lender
- In-House Underwriting
- FHA, VA, USDA & JUMBO
- Local Customer Service
- Same Day Approvals
Your Local Florida Mortgage Company
Looking for a new home loan in Florida? When it comes to finding the right home loan in Florida, choose 1st Florida Mortgage. As your trusted local lender, we offer fast, personalized service along with a wide variety of loan options to meet your needs. Whether you’re considering FHA, VA, USDA, or Jumbo Loans, we provide tailored solutions to help you achieve your homeownership goals. Located in Tampa, we proudly serve clients across Florida and efficiently close home loans anywhere in the state.
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.
1st Florida Mortgage – Local Lender
At 1st Florida Mortgage is headquartered in Tampa FL and powered by First Option Mortgage LLC, we pride ourselves on being a technology-driven mortgage company dedicated to streamlining the home loan process. We believe securing a mortgage should be efficient and hassle-free, which is why our advanced technology enables us to process loans quickly and effectively. Whether you’re seeking an FHA loan, a VA loan for our U.S. veterans, or a USDA home loan, we are committed to structuring the perfect loan tailored to your unique needs. Learn More
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 - 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 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.
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!
At 1st Florida Mortgage, we aim to close all loans in 28 days or less. Our mission is rooted in three core principles: integrity, exceptional customer service, and transparent lending. This straightforward yet powerful approach has driven our success and established us as one of Florida’s top mortgage companies.
As an approved Florida lender for FHA, VA, and USDA loans, we specialize in helping clients with new home purchases. Whether you prefer to call and speak directly with one of our experienced Florida loan officers or take advantage of our convenient online application to get started right away, we’re here to guide you every step of the way.
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.
