1st Florida Mortgage

St. Petersburg HOME LOANS

FHA, VA, USDA and Jumbo Loans

Your Trusted Home Loan Partner in St. Petersburg, FL

Looking for a reliable mortgage lender with low rates in St. Petersburg a reality? If so, look no further than 1st Florida Mortgage, your trusted local mortgage lender. With low rates, streamlined in-house underwriting, and fast closings, we strive to make every step of your home-buying journey as smooth and stress-free as possible. Furthermore, as an approved VA and FHA lender, we are committed to delivering personalized service designed to meet your unique needs and goals.

Let us guide you with confidence and ease as you take the next step toward achieving your dream of homeownership.

Why 1st Florida Mortgage?

Direct Lender: Low rates and streamlined process
Fast Approvals Local Underwriting & Funding
Customer Service: Personalized advice and insights

Home Loans, Done Right!

Your direct lender in St. Petersburg, specializing in new home loans with low rates, low fees, and quick closings.

St. Petersburg FL Mortgage

Finding the ideal home loan in St. Petersburg has never been simpler with 1st Florida Mortgage by your side. As your trusted partner, we are dedicated to guiding you through every step of the process with personalized and efficient service. Offering a wide variety of loan options, including FHA, VA, USDA, and Jumbo loans, we provide tailored solutions to meet your unique needs and goals. Whether you’re purchasing a new home in St. Petersburg or refinancing your current mortgage, we’re here to help.

Conveniently located in St. Petersburg, we proudly serve clients throughout Florida, streamlining the lending process to ensure a smooth and timely experience. At 1st Florida Mortgage, we stand out with our commitment to integrity, transparency, and exceptional customer service. This dedication has earned us a reputation as one of the most trusted mortgage providers in St. Petersburg.

Our St. Petersburg Home Loan Products

St. Petersburg NEW HOME LOANS

BUYING A NEW HOME?

Your trusted lender in St. Petersburg- personalized mortgage solutions tailored to meet all your new home loan 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 home loans offer flexible solutions, perfect for borrowers with strong credit and a stable finances.

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

St. Petersburg FHA LOANS

FIRST TIME HOME BUYER?

FHA home loans are a perfect choice for first-time homebuyers in St. Petersburg – less than perfect credit OK.

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

St. Petersburg VA LOANS

FLORIDA VA LENDER

As a trusted VA lender in St. Petersburg, we’re dedicated to helping Florida veterans maximize their home loan benefits.

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

St. Petersburg JUMBO LOANS

JUMBO Mortgage LOANS

Jumbo mortgage options in St. Petersburg for non-conforming loans, providing 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!

Home refinancing in St. Petersburg—save more, secure lower rates, and lower your monthly payments today.

Cash Out Refinance
Debt Consolidation
FHA Streamline
VA IRRRL’s

Mortgage Lender St. Petersburg, FL

Close on Time

A local lender with in-house underwriting and processing for fast, efficient approvals.

Low Rates

St. Petersburg Mortgage Lender – Approved for FHA, VA, and USDA loans

Service

St. Petersburg mortgage company 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!!

St. Petersburg, FL Mortgage Company

Call (855) 314-2220

Experience the 1st Florida Mortgage difference in St. Petersburg, your trusted local partner for all residential home loan needs. With competitive rates and efficient in-house underwriting, we deliver a seamless and personalized lending experience tailored to your goals. Additionally, our Florida-based experts understand state-specific guidelines, ensuring a smooth, stress-free process from start to finish.

Whether you’re a first-time homebuyer or considering refinancing, we offer a variety of loan programs, including Conventional, Jumbo, FHA, VA, and USDA options. At 1st Florida Mortgage, we’re committed to making your dream of homeownership in Florida a reality. Start your journey toward achieving your goals today!

Local Lender for New Home Loans in St. Petersburg Florida

Whether you’re purchasing 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 Florida, we proudly offer low rates, efficient in-house underwriting, and exceptional customer service to make the process as smooth as possible. Furthermore, with our local team based in St. Petersburg, we are always ready to assist you and ensure seamless loan closings anywhere across the state