WELCOME TO 1st florida mortgage - LOCAL FLORIDA MORTGAGE LENDER

1st Florida Mortgage

Home Loans, Done Right!

Florida lender for new purchases & refinancing- FHA Loans, USDA Loans, VA and Conventional Loans.

About Us

About 1st Florida MortgageAs 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. 

1st Florida Mortgage - Meet Our Team

Low Rates. Low Fees. Fast Closings. - As a direct lender we can offer ultra competitive rates, low fees and fast closings! 

Liz Hernandez
Liz Hernandez, Sr. Loan Officer NMLS#69444

As a mortgage professional now for 18 years, I see mortgage lending as a way to help people. For most of us it is the biggest debt/asset in our financial portfolio, and decisions on our mortgage can impact and benefit every part of our financial plans, from monthly budget and lifestyle, to if and when we can retire. Having the right mortgage can help us buy a home, or stay in our home with a secure fixed payment. It can help pay off debt, send a child to college, or ensure that we can retire comfortably. I truly enjoy the process of helping people to look at their options. Sometimes the best mortgage for you is the one you already have, and if so, I can help show you why. If it’s not, and if there is a better mortgage for you, I can help you to explore your options, and see what kind of mortgage makes the most sense for you, your current situation, and your plans.

We are a direct lender. We process and underwrite all of our loans in house with an average close time of 3 weeks. We are a direct lender for Conventional, FHA and VA loans, and we also offer Portfolio loans, if your scenario is Jumbo, or “outside the box” of more traditional lending. As a direct lender, Michigan Mutual does not have many of the lending overlays that depository banks and most lenders and brokers have. This means that even if other banks have said you cannot do a Government of Conventional loan, Michigan Mutual may still be able to approve your loan under one of those programs. Many of the happy reviews from clients below are from homeowners who were told somewhere else that they did not have a good loan option. My goal is that you have all of your questions answered and you feel taken care of through the mortgage process. I work hard to ensure that after we finish your loan together, you are happy to refer me to your friends and family. I look forward to working with you!

Why More Floridians are Choosing Us? It's Our People!

tampa_florida_mortgage_officer-MarioLarrea2

Mario Larrea

Sr. Loan Officer
NMLS #184372

DanielM-1

Daniel Neto

Loan Officer
NMLS #155499

Ryan Collins

Ryan Collins

Production
Support

Femi Oriogun

Femi Oriogun

Sales
Manager

Thank you for considering 1st Florida Mortgage as your partner in achieving your dream home ownership, we look forward to the opportunity to serve you. Please call us or apply online for a no-cost loan estimate and we look forward to earning your business. 

Buying or Refinancing?
We've got you covered.

1st Florida Mortgage offers low rates, low fees and a streamlined process to close loans fast. We are a top mortgage lender in Florida for new home loans and mortgage refinance.  As a direct lender right here in Florida we offer in-house underwriting and strive to close all loans in 30 days or less.  Whether buying a new home or refinancing, we’ve got you covered!  

APPLY ONLINE TODAY!

Have Questions? Speak with a Home Loan Specialist!
CALL US TODAY (407) 392-4031