1st Florida Mortgage

Jacksonville Home Loans

FHA, VA, USDA and Jumbo Mortgages

Trusted Partner for Home Loans in Jacksonville, Florida

Searching for your dream home in Jacksonville, FL? At 1st Florida Mortgage, we’re your trusted local direct lender, offering competitive rates, efficient in-house underwriting, and fast closings. As an approved VA and FHA lender, we’re committed to delivering personalized service to help you achieve your homeownership goals with ease.

Why 1st Florida Mortgage?

Direct Lender: Low rates and streamlined process
Fast Approvals Expedited closing times
Customer Service: Personalized advice and insights

Home Loans, Done Right!

Jacksonville, FL lender offering low rates, in-house underwriting, and quick approvals for faster closings.

Your Jacksonville, FL Mortgage Lender

When it comes to finding the perfect home loan in Jacksonville, trust 1st Florida Mortgage to be your partner every step of the way. We specialize in providing personalized, efficient service and offer a wide variety of loan options, including FHA, VA, USDA, and Jumbo loans, tailored to meet your unique needs. Our goal is to make your homeownership journey seamless and stress-free.

Conveniently located in Jacksonville, we proudly serve clients across Florida, streamlining the lending process for a smooth and timely experience. At 1st Florida Mortgage, we prioritize integrity, exceptional customer service, and transparent lending practices. Our unwavering dedication has made us one of Jacksonville’s most trusted mortgage providers.

Our Home Loan Products

JACKSONVILLE HOME LOANS

BUYING A NEW HOME?

Your trusted Jacksonville lender, specializing in new home loans with a variety of tailored mortgage solutions:

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

Conventional Home Loans

30 and 20-year fixed rate

Conventional home loans offer flexible options, perfect for borrowers with strong credit and a stable financial background.

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

JACKSONVILLE FHA LOANS

FIRST TIME HOME BUYER?

FHA loans are an excellent choice for first-time homebuyers in Florida, especially those with less-than-perfect credit.

Only 3.5% Down Payment
Easier Credit Qualifying
203k Renovation Loans
1st Time Home Buyers

JACKSONVILLE VA LOANS

FLORIDA VA LENDER

As a trusted VA lender in Jacksonville, we’re dedicated to helping Florida veterans maximize their home loan benefits.

Zero down, 100% Financing
No Monthly PMI
No Debt to Income Restrictions
Jumbo with Down Payment

Jacksonville JUMBO Loans

JUMBO Mortgage LOANS

Jumbo home loan solutions in Jacksonville offering financing up to $3,000,000, competitive rates, and quick approvals.

Loans up to $3,000,000
Primary & Secondary Homes
Investor Specific Guidelines
Credit Score Minimum

MORTGAGE REFINANCE

REFINANCE AND SAVE!

Jacksonville Mortgage Refinance—save big, lock in lower rates, and reduce your monthly payments today.

Cash Out Refinance
Debt Consolidation
FHA Streamline
VA IRRRL’s

Mortgage Lender Jacksonville, FL

Close on Time

Local lender offering in-house underwriting and processing for quick approvals.

Low Rates

Jacksonville Lender – FHA, VA, and USDA approved lender

Service

Jacksonville mortgage company delivering exceptional customer 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

Experience the 1st Florida Mortgage advantage in Jacksonville—your trusted local partner for residential home loans. With competitive rates and in-house underwriting, we deliver a seamless and personalized lending process designed to meet your unique goals. Our Florida-based experts specialize in state-specific guidelines, ensuring a smooth journey from application to closing. Whether you’re a first-time homebuyer or looking to refinance, we offer a variety of loan options, including conventional, FHA, VA, and USDA. Let 1st Florida Mortgage help make your dream of homeownership in Florida a reality—get started today!

Jacksonville's Top-Rated Lender for New Home Loans in Florida

Whether you’re buying a new home or refinancing your current mortgage, we’re here to guide you every step of the way! As a direct mortgage lender in Florida, we offer low rates, in-house underwriting, and exceptional customer service. Based in Jacksonville, our local mortgage company is ready to close loans anywhere in the state.