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Welcome to 1st Florida Mortgage: Low Rates. Low Fees. Fast Close. 

Pensacola, FL
Mortgage Lender

Buying or Refinancing? We've got you covered.

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Today's Mortgage Rates

Pensacola Home Loans : 30-Year Conventional, FHA, VA and USDA
Conventional Fixed

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Primary, 2nd Homes &
Investment Properties

FHA Rates

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Great for 1st time home buyers, only 3.5% down
VA Rates

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100% Loan to $453,100 Jumbo Program Available
USDA Rates

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100% Financing Options
Rural Properties

Rates current as of 10/16/2017, 2:56:53 PM . *Rate Assumptions

Our Popular Pensacola Mortgage Loans

Pensacola Mortgage Lender | Home Loans & Refinance

1st Florida Mortgage was founded in 1998 by Ryan Collins and Dale Gremillion. Together they put their 40 years of industry experience into a concept that combines competitive programs, rates, and fees in a high service environment. Dedicated to maintaining the highest ethical standards to its customers, agencies, and lenders, 1st Florida Mortgage of Pensacola is committed to customer satisfaction.

Approved with many of the nation’s most aggressive lenders, we are able to deliver most loan program available in today’s marketplace. 1st Florida Mortgage has over 10 licensed Loan Officers qualified to do mortgages. Our Loan Officers come from diverse backgrounds, which give us the ability to communicate with everyone. We have Loan Officers who speak virtually every language to better communicate with our customers. The delivery of our products and services is unsurpassed in the residential lending industry. We are committed to building long-term relationships. By choosing a lender that ensures the smoothest possible process from application to closing, you will allow us to be the “key” to your financing needs. Let our local Pensacola mortgage group take care of you! We are here to help answer your questions and can get you pre-approved before you go shopping for your new home. We look forward to earning your business!

1st Florida Mortgage is a direct lender and as such, we have in-house underwriters that can make fast decisions and close loans quickly. Whether a first time home buyer needing a FHA loan, US military in need of a VA mortgage, or Jumbo mortgages, we can pick the best loan program for your individual needs. We specialize in Pensacola, FL new home purchases, jumbo home loans and mortgage refinance. VA home loans and FHA home loans for our US military and 1st time home buyers also available. Call today for a free good faith estimate and let us help you with your next home mortgage in Pensacola, FL.


Pensacola Mortgage Lenders | FHA, VA & USDA Home Loans

As a full-service mortgage bank, 1st Florida Mortgage controls all elements of your mortgage transaction, from application to approval to in house underwriting and service of your loan. Our streamlined, hands on approach to mortgage banking allows us to make decisions that make sense. 1st Florida Mortgage of Pensacola consistently has rates that are either better or equal to top national mortgage companies.

Let us help finance your next home with local customer service, low interest rates, a quick decision and a quality of service after the deal that few others can match. We pride ourselves on providing superior customer service and creating satisfied customers. We work hard to satisfy the mortgage needs and exceed the expectations of our customers. Our Pensacola customers save money and close their loans quickly because we employ the most advanced mortgage technology available. Highest Quality Mortgage Services – From mortgage processing and underwriting, to loan closing and funding, our expert mortgage staff will efficiently expedite your entire transaction. We’ll keep you informed every step of the way. We’re committed to building rewarding, long-term customer relationships. With that in mind, you’ll receive the highest quality mortgage services.  We can also help with residential mortgages in Panama City, Florida

We specialize in FHA home loans for 1st time home buyers and VA home loans for your US Veterans. Call today for a free good faith estimate and let us earn your business!

Why Choose 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

Florida Mortgage Company with Low Mortgage Rates.FHA, VA, and USDA Approved Lender.

Customer Service

Local Florida mortgage lender- offer top notch customer service. We will be with you at every step from application to closing. Read our reviews!

Why More Floridians are Choosing Us? It's Our People!

Mario Larrea

Sr. Loan Officer
NMLS #184372


Cornelius Williams

Sr. Loan Officer
NMLS #1874757


Daniel Neto

Loan Officer
NMLS #155499


Ryan Collins

Production Support


Shella Mullen

Customer Care

Speak to a Loan Officer: (855) 718-7620

Have Mortgage Questions? Let’s Talk by Email

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