1st Florida Mortgage

YOUR Trusted Pensacola Lender

Low rates, low fees and fast close

Your Trusted Home Loan Partner in Pensacola

Ready to buy or refinance a home in Pensacola, FL? 1st Florida Mortgage, your trusted local lender, is here to help. With competitive rates, streamlined in-house underwriting, and fast closings, we ensure a smooth and hassle-free experience. As an approved VA and FHA lender, we provide personalized solutions tailored to your unique needs. Let us help you turn your homeownership dreams into reality.

Why 1st Florida Mortgage?

Direct Lender: Low rates and fast closings
Fast Approvals In-house underwriter and processing
Customer Service: Expert loan officers- local service

Home Loans, Done Right!

Your local Pensacola lender for new home loans, offering competitive rates and quick closings.

Pensacola Mortgage Lender

Finding the perfect home loan in Pensacola is easy with 1st Florida Mortgage as your trusted partner.

We guide you through every step with personalized service and a variety of loan options, including FHA, VA, USDA, and Jumbo loans, tailored to your needs. Whether you’re buying a new home or refinancing, our commitment to integrity, transparency, and exceptional service sets us apart as one of Pensacola’s most trusted lenders. Let us make your homeownership journey smooth and rewarding.

Pensacola Home Loans

Pensacola HOME LOANS

BUYING A NEW HOME?

Your trusted Pensacola 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 foundation.

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

Pensacola 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

Pensacola VA LOANS

We Specialize in VA Home LOans

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

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

PENSACOLA JUMBO LOANS

JUMBO Mortgage LOANS

Jumbo mortgage solutions in Pensacola 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!

Refinance your mortgage in Pensacola—save more, lock in lower rates, and reduce your monthly payments today..

Cash Out Refinance
Debt Consolidation
FHA Streamline
VA IRRRL’s

Mortgage Lender Pensacola FL

Close on Time

A local lender offering in-house underwriting and processing for quick and efficient approvals.

Low Rates

Pensacola Home Loans – FHA, VA, USDA, and Jumbo Mortgage Options

Service

A Pensacola mortgage lender dedicated to 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!!

Best Pensacola Lender

Call (855) 314-2220

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

Our Florida-based experts specialize in state-specific guidelines, making your journey from application to closing hassle-free. Whether you’re a first-time homebuyer or refinancing, we offer a wide range of loan programs, including Conventional, Jumbo, FHA, VA, and USDA options.

At 1st Florida Mortgage, we’re dedicated to turning your dream of homeownership into reality. Don’t wait—start your journey toward achieving your goals today!

Top Lender in Pensacola for New Home Loans

Whether you’re buying a new home or refinancing your mortgage, we’re here to guide you every step of the way! As a trusted mortgage lender in Pensacola, Florida, we offer competitive rates, efficient in-house underwriting, and exceptional service. With a local team ready to assist, we ensure a smooth and seamless loan process across the state.