Welcome to 1st FLORIDA MORTGAGE – Pensacola, FL

Pensacola Mortgage & Refinance

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  • Local Florida Mortgage Lender
  • In-House Underwriting, Processing & Closings
  • No Cost Loan Estimates & Consultation

Refinance Today and Save

  • Rate & Term, Cash-Out Options
  • No-Cost Mortgage Review
  • Streamline Options Available

Today's Rates - Popular Pensacola Home Loans

30 Year Conventional, FHA, VA and USDA mortgage options
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

New Home Loans

Mortgage lender in Pensacola, FL
  • Primary, Secondary or Investment Properties
  • Single Family and Multi Family Properties
  • Lower Rates and Better Loan Terms
  • Direct Lender – Control From App to Funding

Pensacola FHA Loans

FHA mortgage lender in Pensacola, FL
  • Excellent for First Time Home Buyers
  • 3.5% Down Payment
  • Lower Rates / Easy Qualifying
  • Low Credit Scores & Alt Credit OK

Pensacola VA Loans

  • 100% Financing to Conventional Limits
  • Lower Rates / Easier Credit Qualifying
  • Fewer Debt to Income Restrictions
  • Lower Credit Scores Allowed

Jumbo Home Loans

Jumbo home loans Pensacola, FL
  • Local Florida Customer Service
  • Great Rates, Low Fees
  • Loans Up to 3 Million
  • Primary and Secondary Residsences

Pensacola Home Loans

Mortgage Company in Pensacola, Florida

5300 W Cypress St, Suite 280 Tampa, FL 33607 Toll Free:  (800) 501-2131


Pensacola Mortgage Lender | Home Loans & Mortgage 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 Home Loans

  • Pensacola Direct Lender with Low Rates & Fees
  • Streamline Process, Fast Closings & On Time Fundings
  • Same Day Pre-Approvals
  • 28 Day Closings!

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


Ramaj Balley

Vice President
National Retail Lending


Sherina Rochte

Operations Manager
NMLS #809338


Dale Gremillion

Sr Loan Officer
NMLS #210325


Maylee Cazares

Production Support

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!