1st Florida Mortgage

MIAMI Home Loans

FHA, VA, USDA and Jumbo Loans

Trusted Partner for Home Loans in Miami, Florida

Are you searching for your dream home in Miami, FL? Look no further than 1st Florida Mortgage, your trusted local mortgage lender. We take pride in offering competitive rates, streamlined in-house underwriting, and fast closings to make your home-buying journey as smooth as possible. Moreover, as an approved VA and FHA lender, we are dedicated to providing personalized service tailored to your unique needs. Let us help you achieve your homeownership goals with confidence and 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!

Direct mortgage lender in Miami, FL for new home loans, offering low rates, low fees and fast closings.

Miami, FL Mortgage Lender

Finding the perfect home loan in Miami has never been easier with 1st Florida Mortgage as your trusted partner. We are committed to guiding you through every step of the process, offering personalized and efficient service. With a diverse range of loan options, including FHA, VA, USDA, and Jumbo loans, we ensure solutions are tailored to fit your unique needs and goals.

Conveniently based in Miami, we proudly serve clients across Florida, simplifying the lending process to deliver a smooth and timely experience. At 1st Florida Mortgage, our core values of integrity, exceptional customer service, and transparency set us apart. This unwavering dedication has earned us a reputation as one of Miami’s most trusted mortgage providers. Let us make your homeownership journey seamless and stress-free.

Our MIAMI Home Loans

MIAMI NEW HOME LOANS

BUYING A NEW HOME?

Your trusted Miami lender, for personalized mortgage solutions designed to meet every need for new home loans:

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 provide versatile options, ideal for borrowers with solid credit and a stable financial foundation.

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

MIAMI FHA LOANS

FIRST TIME HOME BUYER?

FHA home loans are a perfect choice for first-time homebuyers in Miami – less than perfect credit OK.

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

MIAMI VA LOANS

FLORIDA VA LENDER

As a trusted VA lender in Miami, 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

MIAMI JUMBO LOANS

JUMBO Mortgage LOANS

Jumbo mortgage solutions in Miami for non-conforming home loans – offering financing up to $3,000,000.

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

MORTGAGE REFINANCE

REFINANCE AND SAVE!

Miami 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 Miami, FL

Close on Time

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

Low Rates

Miami Lender – FHA, VA, and USDA approved lender

Service

Miami 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

Discover the 1st Florida Mortgage advantage in Miami, where we serve as your trusted local partner for all your residential home loan needs. With competitive rates and efficient in-house underwriting, we strive to provide a seamless and personalized lending experience tailored to your unique goals. Moreover, our Florida-based experts are well-versed in state-specific guidelines, ensuring a smooth and stress-free journey from application to closing.

Whether you’re a first-time homebuyer or exploring refinancing options, we offer a wide range of loan programs, including Conventional, Jumbo, FHA, VA, and USDA home loans. At 1st Florida Mortgage, we are dedicated to turning your dream of homeownership in Florida into reality. Take the first step toward achieving your goals—get started with us today!

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

Whether you’re purchasing a new home or refinancing your current mortgage, we’re here to support you at every step! As a trusted direct mortgage lender in Florida, we provide low rates, efficient in-house underwriting, and outstanding customer service. Based in Miami, our local team is ready to assist and close loans seamlessly anywhere across the state.