1st Florida Mortgage

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Panama City Home Loans 

Today's Mortgage Rates
30-Year Conventional, FHA, VA and USDA
Purchase Rate / APR
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Rates current as of 10/16/2017, 2:56:53 PM . *Rate Assumptions

Panama City Lender

New Home Loans

Mortgage Lender - Panama City, FL

1st Florida Mortgage is your premiere mortgage team located right here in Panama City, FL. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Florida area. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, we’ve got you covered. With over 30 years of experience, we know what we are doing and can get you to the closing table. We close on time, as promised – we strive to close all loans in 28 days or less! As Panama City’s top mortgage company we alleviate the typically drawn-out loan process, pre-approving borrowers within one hour and providing a written pre-approval certificate to present with their purchase contract. We have the technology to make the process easier than they have ever imagined.

We are committed to providing our clients with the highest quality service for your mortgage needs. Combined with the lowest rate and multiple loan programs available in Panama City, FL. Our outstanding mortgage professionals with years of experience will work with you one-on-one to ensure that you get the home loan that is tailored specifically to meet your situation and expectation. Whether you are purchasing your dream home, first home, refinancing an existing loan, or consolidating debt, our highly experienced team of loan officers can help you find the right loan program at the lowest rate possible.

Our ultimate goal is to create a lasting relationship with each of our clients that we may continue to provide excellent service for many years to come. We ask you to research our reviews online and see what our past customers in Panama City are saying about us.

Local Florida Mortgage Company

FHA, VA & USDA Home Loans

To speak directly with an experienced mortgage professional, simply give us a call anytime or feel free to utilize any of the interactive tools offered throughout the site. We look forward to working with you.

For new home purchases in Panama City, we offer same day approvals and strive to close all loans in 28 days or less. We can also help with residential mortgages in Pensacola, FL.  We specialize in FHA home loans, VA home loans and Jumbo loans. Call today for a free good faith estimate and let us earn your business!

1st Florida Mortgage

Close on Time

Our goal is to close every loan in 28 days or less. In-house underwriting, processing and closing for fast approval & on time fundings.

Low Rates & Fees

Panama City Mortgage Company with Low Mortgage Rates.FHA, VA, and USDA Lender.

Customer Service

Panama City mortgage lender- we will be with you at every step from application to closing. Read what our customers are saying!

Why Choose Us? It's Our People!

Mario Larrea

Sr. Loan Officer
NMLS #184372


Daniel Neto

Loan Officer
NMLS #155499

Florida Mortgage Loan Officer

Brooke Benson

Sr. Loan Officer
NMLS #409893


Jimmy Smith

Loan Officer
NMLS #2038961

Femi Oriogun

Femi Oriogun


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