NEW PURCHASE

Home Loans

FHA, VA, USDA & Conventional

No impact to credit. Takes 2 minutes.

Florida New Home Loans – Low Rates, Fast Closings, Trusted Lender

As a direct lender in Florida, we offer FHA, USDA, and VA government loans, plus 15-, 20-, and 30-year fixed-rate conventional mortgages. 1st Florida Mortgage underwrites loans quickly, makes faster decisions, and closes on time by managing the entire transaction from application to funding. Our team is committed to delivering excellent customer service throughout the process, ensuring a seamless and efficient mortgage experience tailored to your needs.

Our new home loan options:

Florida fixed rate mortgage loans are the standard loan type for the majority of home financing, and are available in a variety of terms from 10 to 30 years. Shorter terms offer significant interest savings.

FHA loans are perfect loans for first time home buyers, but you do not have to be a first time home buyer to qualify. FHA loans offer easier qualification and as little as 3.5% down and up to 100% financing with approved gift funds.

Loan values up to $806,500 for our US service men and women. VA loans offer up to 100% financing and lower credit scores OK. No monthly mortgage insurance no debt to income restrictions.

For rural properties- USDA home mortgages could be the perfect fit if your property qualifies. Up to 100% financing, with the ability to roll in closing costs and in some cases repairs.

Loan amounts up to $3,000,000. You can choose between a fixed or adjustable rate depending on your financing goals.

Florida DSCR loans for real estate investors, based on rental income-no tax returns, W-2s, or pay stubs required:

Not sure which loan type is right for you?

Call To Speak to a Florida Loan Officer (855) 314-2220

4.6 out of 5

Based on 54 Google reviews

Daniel Ramirez

2 months ago

1st Florida Mortgage made our home financing process smooth and stress-free. The team was responsive, explained everything clearly, and helped us secure a great rate from start to finish.

Sharon Darby

3 months ago

Outstanding experience. We received competitive loan options, fast communication, and a very clear process. The whole transaction felt organized, professional, and easy to navigate.

Bettis Morelock

3 months ago

Excellent service and strong communication throughout the process.
We always knew what to expect, and the team moved quickly to keep our loan on track all the way to closing.

Helping Open Doors in Florida Since 2006

Whether you’re purchasing a new home or refinancing your mortgage, we’ve got you covered! As a local mortgage company in Tampa Bay, FL, we proudly serve homebuyers across the entire state.

Choosing 1st Florida Mortgage means working with a trusted local Florida lender committed to low rates, fast closings, and personalized service. With in-house underwriting and deep market expertise, we make the home loan process smooth and stress-free. Whether you’re buying, refinancing, or exploring loan options, we’re here to guide you every step of the way. Let us help you secure the best mortgage for your dream home!

Real People. Local Expertise. Better Service.

MORTGAGE BROKER ADVANTAGE

A Better Way to Finance Your Florida Home

At 1st Florida Mortgage, we make homeownership easier with competitive rates, smooth closings, and local expertise you can trust. Whether a new home purchase or a cash-out refinance-we’ve got you covered.

As a mortgage broker, we provide access to wholesale rates and multiple lenders-helping you secure better options, lower costs, and a faster path to closing.

Start Your Pre-Approval Online