Business Details
20 Years
experience
Your Trusted Florida Mortgage Lender
1st Florida Mortgage is a trusted mortgage lender in Florida dedicated to helping individuals and families achieve homeownership. Since 2006, we have specialized in new home loans, refinancing, and government-backed programs like FHA, VA, USDA, and Jumbo Loans. Our commitment to integrity, customer service, and transparent lending has positioned us as a leading mortgage company in Florida. With in-house underwriting and advanced technology, we streamline the loan process for efficiency and reliability. Our team of experienced professionals provides personalized guidance, ensuring a stress-free experience from application to closing.We prioritize competitive rates, low fees, and fast closings while maintaining a focus on client satisfaction. Headquartered in Tampa, we serve clients statewide, offering tailored solutions for diverse financial needs. Our mission remains rooted in empowering clients through education, ethical practices, and exceptional service. By combining local expertise with national standards, we deliver mortgage solutions that meet the unique demands of Floridas housing market.
Services
Conventional Home Loans
FHA Home Loans
VA Home Loans
Jumbo Loans
Mortgage Refinance
Cash-Out Refinance
VA IRRRL Refinance
FHA Streamline Refinance
USDA Loans
New Home Loans
Details
- Year established: 2006
Highlights and features
- We offer competitive rates and a stress-free process as a direct lender.
- Our in-house underwriting ensures fast approvals and timely closings.
- Expert loan officers provide personalized local service.
- Advanced technology streamlines the loan process for efficiency.
- Committed to transparency with no hidden fees.
What people say
Fantastic communication
Quick and painless
Knowledgeable and attentive
Best experience
Stress-free
Services
Conventional Home Loans
Conventional home loans offer fixed-rate terms of 15, 20, or 30 years, providing stability and predictable payments. These loans are ideal for buyers with strong credit and lower debt-to-income ratios. We deliver competitive rates and lower mortgage insurance costs for primary, secondary, and investment properties.
FHA Home Loans
FHA loans require as little as 3.5% down and offer easier credit qualifying for first-time buyers. These government-backed loans allow gift funds and provide long-term affordability. We specialize in FHA 203k renovation loans for home improvements.
VA Home Loans
VA loans provide 100% financing with no down payment or monthly PMI. Designed for veterans and active-duty personnel, these loans have flexible credit requirements. We are an approved Florida VA lender with streamlined refinancing options.
Cash-Out Refinance
Cash-out refinancing allows homeowners to access equity for debt consolidation or home improvements. We offer competitive rates and fast closings, with loans up to 80% of home equity. Funds can be used for various financial needs.
Mortgage Refinance
Refinance options include conventional, FHA, VA, and USDA programs to lower rates or shorten loan terms. Our in-house underwriting ensures quick approvals. We specialize in streamline refinancing with minimal documentation.
People
Shawn Dulac
Sr. Loan Officer
Shawn Dulac brings over a decade of mortgage expertise, transitioning from education to finance. He prioritizes client education and transparent lending, ensuring tailored solutions for Florida homebuyers.
James Hair
Sr. Loan Officer
James Hair has 10 years of mortgage and banking experience, focusing on financial wellness education. He specializes in guiding clients through complex loan programs with personalized support.
Marla McGee
Sr. Loan Officer
Marla McGee offers over 10 years of lending experience, emphasizing clear communication and precision. She specializes in first-time homebuyer programs and ensures a seamless loan process for clients.
Roman Balley
Production Manager
Roman Balley leads production with a focus on client support and process efficiency. His team ensures timely closings and transparent communication throughout the loan journey.
Ryan Collins
Business Development
Ryan Collins drives marketing innovation with 20 years of mortgage industry experience. He focuses on user-friendly platforms and seamless client experiences for Florida home loans.
Questions
What types of mortgage loans do you offer?
We offer conventional, FHA, VA, USDA, Jumbo, and refinancing options tailored to Florida homebuyers' needs.
Do you provide refinancing services?
Yes, we specialize in conventional, FHA, VA, and USDA refinancing with competitive rates and fast approvals.
Are there any hidden fees?
No, we guarantee transparency with no hidden fees or unexpected costs during the loan process.
How long does the mortgage process take?
Our in-house underwriting typically closes loans in 21 days or less for a streamlined experience.
Can I apply online?
Yes, apply online in 2-3 minutes with our secure platform for fast pre-approval and loan tracking.
Do you serve all of Florida?
Yes, we are a Tampa-based lender serving clients statewide, including major cities like Miami, Orlando, and Jacksonville.
