About Us
As a local Florida mortgage company, we have the flexibility to underwrite using common sense underwriting giving us the flexibility and efficiency unavailable to traditional mortgage brokers or local banks. Unlike many “online mortgage companies” who focus is primarily on rate and high pressure sales, our seasoned mortgage professionals will help educate you on the best available loan programs for your specific situation, structure your loan customized to your needs, find the best rates available at the lowest fees, and we provide local customer support and service that is second to none.
As consummate mortgage professionals, all 1st Florida Mortgage employees are committed to providing excellent customer service throughout the entire loan process. We fully understand that buying a home can be a stressful process, but it doesn’t have to be. To this end, we offer a streamlined process that is supported by the industry’s best mortgage technology to make the entire process as stress free as possible.
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
Darren Speck is a seasoned Senior Loan Officer specializing in Florida residential financing. With extensive expertise in FHA, VA, and Conventional loans, Darren 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.
Brad Walters brings over 30 years of experience in residential mortgage origination and financial services. As the Founder and President of Castle Hills Mortgage—parent company of 1st Florida Mortgage—Brad also serves as an active Residential Mortgage Loan Officer. His background spans roles as Controller of a Savings & Loan, Multi-State Branch Manager for a national mortgage bank, and leadership positions within FDIC-chartered institutions.
Ryan 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.
MistyDawn Bentz brings over 25 years of mortgage banking, sales management, and lender relations experience to her role as Vice President of Operations at 1st Florida Mortgage. Known for her strategic, resourceful approach, she supports loan officers, manages complex transactions, and builds strong lender and broker partnerships.
A proactive communicator and trusted problem-solver, MistyDawn oversees operations with precision and a client-first mindset. From training and onboarding to optimizing processes and document flow, she ensures a seamless, high-quality lending experience for every borrower.
Ryan Wood is a Senior Loan Officer at 1st Florida Mortgage, known for his driven work ethic and commitment to delivering a seamless lending experience. He excels at clear communication, earning trust quickly with both clients and colleagues. Ryan partners closely with borrowers to guide them through the mortgage process and is equally supportive of fellow loan officers navigating complex scenarios.
Focused on exceptional service and long-term client relationships, Ryan plays a key role in growing the business while upholding professionalism, accuracy, and genuine customer care at every step.
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Have Questions? Speak with a Home Loan Specialist!
