1st Florida Mortgage

CONVENTIONAL LOANS

30 and 20-Year Fixed Rate Loans

Conventional Home Loans in Florida – Fixed & Adjustable Rates

Welcome to 1st Florida Mortgage, your trusted lender for conventional home loans in Florida. Our conventional loans offer competitive rates for borrowers with good to excellent credit. For 2025, the conforming loan limit across all Florida counties is $806,500.

Conventional Mortgages

Credit-Based Rates: Lower Rates based on FICO
No PMI with 20% Down: Avoid private mortgage insurance with 20% Down
Flexible Loan Terms: Choose from fixed or adjustable-rate loan options

Home Loans, Done Right!

Conventional home loans with low rates and in-house underwriting for fast approvals and fast closings.

What is a Conventional Home Loan?

A conventional home loan is a type of mortgage that is not insured or guaranteed by a government agency like the FHA or VA. Instead, it is offered by private lenders and typically follows the lending guidelines set by Fannie Mae and Freddie Mac. Conventional loans often require higher credit scores and down payments but can provide more flexibility in terms and conditions to suit various financial goals.

Fixed Rate or Adjustable Rate Mortgage?

Another loan product that we offer is Conventional ARM Loans or adjustable rate mortgages. ARM Loans are a great loan product during higher rate environments or for home buyers who plan to sell or refinance their home between 3 and 7 years. Adjustable rate mortgages (ARMS) are fixed for periods of 5-10 years. After that period, your interest rate will either go up, or down depending on market conditions and mortgage rates at that time.

Fixed-rate vs. ARM

ARM loans will have lower rates and ultimately lower monthly payments than fixed-rate loans, but interest rates could go up or down once the initial rate term has expires. So while ARM’s provide lower rates, conventional fixed rate loans provide security in knowing your mortgage payment won’t ever go up.

5-year ARM loans

5/1 ARMS will typically provide the lowest possible rates and monthly payments during the initial rate period. ARM’s are preferred by borrowers that tend to sell the home in 3-5 years or planning on refinancing at the end of the rate period.

10-year ARM loans

10 Year Arms are popular because they provide lower rates as well as provide for more long term security in locking in a 10 year rate.

Florida Conventional Loan Limits (2025)

As of Feb, 2025 the max loan amount allowed for a Conventional Conforming Loan limits in Florida is $806,500. However, in high cost areas, there are Conventional Super Conforming Limits currently up to $915,000. To check loan limits in your area, please give us a call and one of our licensed Florida loan officers will be more than happy to assist and answer any questions you may have. Whether you need a Florida mortgage lender for new home purchase or refinance, we have you covered!

1st Florida Mortgage - Your Trusted FHA Lender

Headquartered in Tampa, FL, we are a local mortgage company specializing in new home loans in Florida. By offering competitive rates and utilizing in-house underwriting, we ensure a seamless process that makes conventional mortgages both stress free and affordable.

Your Trusted Florida Lender

Close on Time

In-house underwriting, processing and closing for fast approval & on time fundings.

Low Rates

Conventional new home loans with Low Rates and In-house Underwriting

Local Service

Your new home experts with local Florida customer service. Read our reviews!

We not only offer highly competitive rates on conventional home loans in Florida, but we also provide in-house underwriting to close loans fast. Moreover, with our flexible loan terms and a deep understanding of the Florida real estate market, we are able to help tailor the perfect loan just for you. Consequently, whether you’re a first-time homebuyer or looking to refinance your existing mortgage, our team is dedicated to finding solutions that fit your unique needs. Therefore, by choosing 1st Florida Mortgage, you can move forward with confidence, knowing that you have a trusted partner by your side every step of the way.

1st Florida Mortgage offers 20- and 30-year conventional home loans in Florida. Moreover, choose from a variety of fixed-rate and adjustable-rate mortgages (ARMs) to suit your financial goals. So, call or apply online in minutes to receive a free rate quote.

Why Choose Us? It's Our People!