About Us
As a local Florida mortgage brokerage, 1st Florida Mortgage provides borrowers access to a broad network of wholesale lenders. This allows us to compare multiple loan programs and find the most competitive rates, flexible options, and low fees tailored to each client’s needs.
Unlike many large online lenders focused on volume and high-pressure sales, our experienced mortgage professionals take the time to understand your goals and guide you to the loan program that fits your situation. From application through closing, our team is committed to responsive service, clear communication, and a smooth, efficient loan process.
Buying or Refinancing?
We've got you covered.
1st Florida Mortgage is a direct lender in Florida, offering competitive rates, low fees, and a streamlined loan process. Whether you’re buying a home or refinancing, we deliver fast, reliable service tailored to your individual needs.
Why Choose Us? It's Our People
Ryan Wood is a seasoned Senior Loan Officer specializing in Florida residential financing. With extensive expertise in FHA, VA, and Conventional loans, Ryan provides tailored guidance to help borrowers navigate the mortgage process with confidence. Known for his top-notch customer service, he is committed to delivering a smooth, transparent experience from application to closing—making him a trusted lending partner for homebuyers across Florida.
Brett Dempsey serves as Branch Manager and brings more than a decade of experience in the mortgage industry. He specializes in helping borrowers navigate the financing process with clarity and confidence, providing strategic guidance from application through closing. Brett is committed to delivering responsive service, competitive lending solutions, and a smooth, efficient loan experience for homebuyers and real estate investors.
Ryan Collins is a valued member of the business development and marketing team at 1st Florida Mortgage. He thrives on collaborating with various teams and departments, bringing creativity and versatility to his role.
Ryan is passionate about marketing and user interface design, focusing on making the loan process seamless and stress-free for clients. In his free time, he enjoys golf, camping, and cheering on his favorite college football teams.
Chris Lederer serves as Production Manager at 1st Florida Mortgage, overseeing the loan process from application through closing. He manages pipeline coordination, ensures underwriting guidelines are followed precisely, and keeps files moving efficiently throughout each stage of the transaction. Chris is dedicated to maintaining smooth operations and supporting both loan officers and borrowers with a well-organized, reliable mortgage process.
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Have Questions? Speak with a Home Loan Specialist!
