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:
Conventional Loans
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
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.
VA Loans
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.
USDA Loans
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.
Jumbo Loans
Loan amounts up to $3,000,000. You can choose between a fixed or adjustable rate depending on your financing goals.
Not sure which loan type is right for you?
Call To Speak to a Florida Loan Officer (855) 314-2220
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!
