1st Florida Mortgage

Your Panama City Mortgage Lender

Low rates, low fees and fast close

Trusted Florida Mortgage Lender - Panama City New Home Loans

Ready to finance your dream home in Panama City? 1st Florida Mortgage, your trusted local lender, offers competitive rates, fast closings, and personalized service. As an approved VA and FHA lender, we’re here to make your homeownership journey smooth and stress-free.

Why 1st Florida Mortgage?

Direct Lender: Competitive rates with on time closing
Fast Approvals: In-house underwriting for quick decisions
Customer Service: Professional and local loan officers

Home Loans, Done Right!

Your local lender in Panama City for new home loans, offering competitive rates and quick closings.

Panama City Mortgage Lender

Local mortgage company in Panama City, FL — New home loans

Finding the perfect home loan in Panama City is easier than ever with 1st Florida Mortgage as your trusted partner.

We guide you through every step of the mortgage process with personalized and efficient service. With a variety of loan options, including FHA, VA, USDA, and Jumbo loans, we offer solutions tailored to your unique needs and goals. Whether you’re buying a new home or refinancing, we’re here to help.

At 1st Florida Mortgage, our commitment to integrity, transparency, and exceptional customer service sets us apart, making us one of the most trusted mortgage providers in Panama City. Let us make your homeownership journey smooth and rewarding.

OuR Home Loans

Panama City HOME LOANS

BUYING A NEW HOME?

Your trusted Panama City lender, providing customized mortgage solutions designed to fit all your home financing needs.

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

Conventional Home Loans

30 and 20-year fixed rate

Conventional loans provide versatile options, ideal for borrowers with solid credit and a stable financial history.

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

Panama City FHA LOANS

FIRST TIME HOME BUYER?

FHA loans are a great choice for first-time homebuyers, providing flexibility for those with less-than-perfect credit.

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

Panama City VA LOANS

Experts in VA Home Loans

As a trusted VA mortgage lender, we are dedicated to helping Panama City veterans make the most of their VA benefits.

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

Panama City JUMBO LOANS

JUMBO Mortgage LOANS

Jumbo mortgage solutions in Panama City for non-conforming 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!

Mortgage refinancing in Panama City —save more, secure lower rates, and cut down your monthly payments now.

Cash Out Refinance
Debt Consolidation
FHA Streamline
VA IRRRL’s

Mortgage Lender Panama City FL

Close on Time

A local lender providing in-house underwriting and processing for fast approvals.

Low Rates

Panama City Home Loans – FHA, VA, USDA and Jumbo mortgages

Service

A Panama City mortgage company committed to providing outstanding 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!!

Panama City Home Loans

Call (855) 314-2220

Discover the 1st Florida Mortgage difference in Panama City, your trusted local partner for all home loan needs. With competitive rates and in-house underwriting, we ensure a smooth and personalized process tailored to your goals.

Our Florida-based experts understand state guidelines, making your journey from application to closing stress-free. Whether you’re a first-time homebuyer or refinancing, we offer a variety of loan programs, including Conventional, Jumbo, FHA, VA, and USDA options. Let us help make your dream of homeownership in Florida a reality—start today!

Top Lender for New Home Loans in Panama City

Whether you’re buying a new home or refinancing your current mortgage, we’re here to guide and support you every step of the way! As a trusted direct mortgage lender in Panama City, Florida, we offer competitive rates, efficient in-house underwriting, and exceptional customer service to simplify the process. Conveniently located in Panama City, FL, we’re always ready to assist and ensure a smooth loan closing experience anywhere in the state.