1st Florida Mortgage

Tampa Home Loans & Refinance

Local Tampa Lender with Low Rates

Your Trusted Home Loan Partner in Tampa, FL

In need of home financing or refinancing your current mortgage in Tampa, FL? Look no further than 1st Florida Mortgage, your trusted local mortgage expert. We offer competitive rates, a streamlined process for fast closings and a hassle-free home-buying journey. Let us guide you every step of the way and help make your dream of homeownership a reality with confidence and ease.

Why 1st Florida Mortgage?

Direct Lender: Low rates, low fees, fast close
Fast Approvals Close in as little as 21 days
Customer Service: Unbeatable local service

Home Loans, Done Right!

Direct Mortgage Lender in Tampa: Low Rates, Minimal Fees, and Quick Closings for New Home Loans.

Tampa Mortgage Lender

Finding the perfect home loan in Tampa Bay is easier than ever with 1st Florida Mortgage as your trusted partner. From your initial consultation to the final closing, we guide you through every step with personalized and efficient service. Offering a wide range of loan options—including FHA, VA, USDA, and Jumbo loans—we tailor solutions to meet your unique needs and goals. Based in Tampa Bay, we proudly serve clients across Florida, streamlining the process for a smooth, timely, and hassle-free experience.

At 1st Florida Mortgage, our commitment to integrity, exceptional service, and transparency sets us apart. This dedication has made us one of Tampa Bay’s most trusted mortgage providers. Whether you’re a first-time homebuyer or exploring refinancing, let us simplify your journey to homeownership and make it seamless and stress-free.

Our Tampa Bay Home Loans

Tampa NEW HOME LOANS

BUYING A NEW HOME?

Your reliable Tampa mortgage lender: Tailored mortgage solutions for 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 provide versatile solutions, ideal for borrowers with a strong financial foundation.

30, 20 and 15-Year terms
Financing up to $806,500
Primary, secondary, investment

TAMPA FHA LOANS

FIRST TIME HOME BUYER?

FHA loans are an excellent choice for first-time homebuyers in Tampa, helping those with less-than-perfect credit.

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

TAMPA VA LOANS

FLORIDA VA LENDER

As a trusted VA lender in Tampa Bay, we are 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

TAMPA JUMBO LOANS

JUMBO Mortgage LOANS

Jumbo home loan options in Tampa Bay provide low rates and financing for new homes 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 Tampa Bay Mortgage—Save Big, Lock in Lower Rates, and Reduce Your Monthly Payments Today!

Cash Out Refinance
Debt Consolidation
FHA Streamline
VA IRRRL’s

Mortgage Lender Tampa, FL

Close on Time

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

Low Rates

Tampa Mortgage Company – FHA, VA, and USDA approved lender

Service

Tampa Bay mortgage lender dedicated to providing 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!!

Tampa, Florida Mortgage Company

Call (855) 314-2220

Discover the 1st Florida Mortgage advantage in Tampa Bay—your trusted and local mortgage lender for residential home loans. With in-house underwriting and competitive rates, we ensure a seamless process that offers you control, flexibility, and confidence at every step. Our Florida-based underwriters, experts in state-specific guidelines, guarantee a smooth and efficient experience from application to closing.

We proudly offer a diverse range of loan options, including conventional, FHA, VA, and USDA loans, to ensure a solution that fits your unique needs. Whether you’re buying your first home or refinancing your current mortgage, our dedicated team is here to guide you every step of the way. Let 1st Florida Mortgage help make your Florida homeownership dreams a reality—start your journey today!

#1 Florida Lender for New Home Loans in Tampa Bay, FL

Whether you’re buying a new home or refinancing your current mortgage, we’re here to support you every step of the way! As a direct mortgage lender in Florida, we provide competitive rates, efficient in-house underwriting, and outstanding customer service to deliver a hassle-free experience. Based in Tampa Bay, we proudly serve clients across the state, offering personalized attention and local expertise. Wherever you are in Florida, we’re ready to help you achieve your homeownership goals with confidence and ease!