4.6 RATING
50+ Verified Reviews
ACCESS To 20+ Lenders
Find the Right Loan & Rate
Local Florida Expers
Guiding You Every Step of the Way
NEW PURCHASE
Buy a home with competitive rates and expert guidance every step of the way.
REFINANCE
Buy a home with competitive rates and expert guidance every step of the way.
CASH-OUT REFINANCE
Buy a home with competitive rates and expert guidance every step of the way.
Loan Options Built for Florida Homebuyers
From first-time buyers to seasoned investors, we offer flexible loan solutions to fit your goals.
Conventional loans with favorable terms -lower mortgage insurance and lower rates for qualified borrowers:
- 30, 20 and 15-Year terms
- Financing up to $832,750
- Primary or secondary
- Up to 95% Financing
FHA loans are ideal for first-time homebuyers in Florida, but first-time status is not required to qualify:
- Only 3.5% Down
- Easier Credit Qualifying
- 203k Renovation Loans
- First-Time Homebuyers
VA loans with low rates – here to help Florida veterans secure the home financing they’ve earned and deserve:
- True Zero Down
- No Mortgage Insurance
- No DTI Restrictions
- Jumbo Loan Options
USDA loans for eligible rural properties, offering 100% financing and lower rates for qualified buyers:
- 100% Financing
- Lower Income Eligibility
- Eligible Rural Areas
- Low Interest Rates
Jumbo loans up to $3M with flexible guidelines and competitive terms through our extensive lender network:
- Loans up to $3,000,000
- Primary & Secondary
- Flexible Guidelines
- Minimum FICO >680
Florida DSCR loans for real estate investors, based on rental income-no tax returns, W-2s, or pay stubs required:
- $3M+ (85% LTV)
- No Income Verification
- Rental Income to Qualify
- Multifamily, Airbnb, STR
Trusted by Florida Homebuyers
Real feedback from borrowers who chose 1st Florida Mortgage for competitive rates, clear guidance, and a smoother path to closing.
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.
Brett Dempsey
Branch Manager
NMLS #2014728
Ryan Collins
Director of Business
Development
Ryan Wood
Sr. Loan Officer
NMLS #1757471
Chris Lederer
Production Manager
NMLS #2004549
Jen Papaelias
Loan Officer
NMLS #2692859
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
Close on Time
Our goal is to close every home loan in 21 days or less with streamlined processing.
Better Rates
Access wholesale mortgage pricing with competitive rates and lower fees.
Local Service
Florida home loan experts providing responsive support and clear guidance.