1st Florida Mortgage

CAPE CORAL, FL Home Loans

Low rates and fast closings

1st Florida Mortgage - Cape Coral Lender

Buying a new home in Cape Coral, FL? 1st Florida Mortgage is a direct lender right here in Florida with competitive rates, in-house underwriting, and fast closings. Approved VA and FHA lenders with personalized service and low rates.

Local Cape Coral, FL Mortgage Lending Company

Finding the right home loan in Cape Coral begins with choosing a trusted partner, and 1st Florida Mortgage is here to guide you every step of the way. As your reliable local lender, we combine fast, personalized service with a broad range of loan options to meet your specific needs. Whether you’re interested in FHA, VA, USDA, or Jumbo Loans, we’re dedicated to delivering tailored solutions that empower you to achieve your homeownership goals. Moreover, our convenient Cape Coral location allows us to efficiently serve clients across the state, ensuring that the loan process is smooth and timely—no matter where in Florida you choose to call home.

Our mission statement is simple: At the heart of our approach are integrity, exceptional customer service, and straightforward lending. Our mission is to provide every client with honest, transparent guidance throughout the entire home loan process. This simple yet effective formula has helped us become one of Florida’s top mortgage companies.

Our Loan Products

CAPE CORAL HOME Loans

Purchasing A new home?

In Cape Coral, we specialize in new home loans, offering a comprehensive selection of mortgage loan products:

Primary, 2nd Home, Investment
Low Rates & No Fee Options
FHA, VA, JUMBO, and Conventional

Conventional Home Loans

30 and 20-year fixed rate

Conventional loans present a range of favorable terms, including reduced mortgage insurance and lower rates.

30, 20 and 15-Year terms
Financing up to $766,500
Primary, secondary, investment

CAPE CORAL FHA 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

CAPE CORAL VA 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

CAPE CORAL JUMBO LOANS

JUMBO Mortgages

Jumbo home loans 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

REFINANCE TODAY AND SAVE!

Cape Coral Mortgage Refinance –unlock savings with lower rates and better terms and refinance today.

Cash Out Refinance
Debt Consolidation
FHA Streamline
VA IRRRL’s

1st Florida Mortgage - Cape Coral

Close on Time

In-house underwriting, processing and closing for fast approvals

Low Rates

Cape Coral Mortgage Lender – FHA, VA, and USDA Approved Lender

Service

Local Cape Coral mortgage company with top notch service

Why Choose Us? It's Our People!

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!!!!

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!

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!

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!!

Call (855) 314-2220

Discover the difference with 1st Florida Mortgage home loans in Cape Coral, Florida – your trusted local mortgage company dedicated to residential home loans. As a direct Florida mortgage lender with in-house underwriting, we maintain unparalleled control and flexibility, ensuring a seamless loan process tailored to your needs. Moreover, our Florida-based underwriters possess extensive knowledge of state-specific guidelines, enabling us to provide a smooth, efficient home financing experience from start to finish. Throughout every step, we prioritize your satisfaction, making your journey to homeownership both simple and stress-free.

In addition, we proudly offer a full range of loan options, from conventional loans to government-backed solutions including FHA, VA, and USDA home loans. Whether you’re a first-time buyer or considering refinancing, we’ll work closely with you to create the perfect loan solution. Let 1st Florida Mortgage help make your homeownership dreams in Florida a reality—your journey begins today!

#1 Florida Lender for New Home Loans in Cape Coral, FL

Whether you are buying a new home or need to refinance your current mortgage – we’ve got you covered! We are a direct mortgage lender in Florida with low rates, in-house underwriting and top notch customer service. As a licensed lender right here in Cape Coral we can close loans anywhere in the state: