The BBB holds a Tampa profile for 1st Florida Mortgage - Florida Mortgage Lender and declined to issue a rating due to insufficient information. The Facebook page shows one review with no aggregate score. A Yelp entry appears tied to a Belton, Texas address with no visible review count. Google, Trustpilot, and other major platforms return nothing for this domain. That is the starting point, not a footnote, and every other piece of evidence below has to be read against it.

What the license confirms

1st Florida Mortgage - Florida Mortgage Lender is a Tampa Bay broker and direct lender licensed by the Florida Office of Financial Regulation under NMLS #2789535. The number appears on the listing page and can be confirmed through the NMLS Consumer Access registry. With no public review record, a published license number is the one piece of outside grounding available. It does not say anything about execution or pricing, but it rules out the unlicensed outfits that populate this sector.

The loan menu

The product range covers more ground than a typical regional broker publishes. Conventional fixed-rate loans run 15, 20, and 30 years. FHA requires 3.5 percent down. VA loans go to zero down for eligible veterans. USDA loans cover qualifying rural areas. Jumbo loans reach three million dollars. Investors get two dedicated paths: DSCR loans and commercial loans. Refinance options include cash-out, FHA Streamline, and VA IRRRL.

1st Florida Mortgage - Florida Mortgage Lender also distinguishes borrower types explicitly: first-time buyers, military veterans, primary residence buyers, second-home buyers, and investors each have separate product paths rather than a single generic landing page. For a veteran using VA benefits, that distinction has operational consequences. A veteran misrouted to a conventional product path wastes time at minimum.

Coverage is statewide, with 16 Florida cities called out individually and each given its own service page. Miami, Orlando, Jacksonville, Tampa Bay, Naples, and Fort Lauderdale are among those named.

Claims that cannot be checked from the outside

1st Florida Mortgage - Florida Mortgage Lender advertises wholesale lender pricing, low rates and fees, and same-day approvals. None of these can be confirmed externally. The same-day approval claim rests on keeping underwriting, processing, and closing in house. When the people clearing conditions work in the same operation as the people pulling them, timelines tend to be more predictable than when a third-party processor sits in the middle. Whether that holds in practice for 1st Florida Mortgage - Florida Mortgage Lender is something only your transaction can tell you, and no outside review record exists to give any indication either way.

The site includes a Mortgage 101 primer, an FHA Requirements section, a Resources hub, and a Blog. A first-time buyer who does not yet understand the difference between conventional and FHA financing can build a basic framework before speaking to anyone. That is a real utility, not a sales feature.

Contact

A phone number and email address appear on the main page. The navigation links to a Contact section, and an Apply Online portal sits on its own application subdomain. A borrower can move from reading loan options to starting an application without hunting for access points. 1st Florida Mortgage - Florida Mortgage Lender does not bury the contact.

The license is published and confirmed through a public registry. The product menu is wider than average for a regional lender. The educational content has genuine use for borrowers early in the process. But with a BBB profile rated insufficient, a single Facebook review, and nothing on any major platform, there is no external measure of whether 1st Florida Mortgage - Florida Mortgage Lender closes loans on the terms it advertises. Get any rate and fee commitment in writing and confirm the NMLS number through the registry. The absence of any review record is not a minor gap in this sector. It is the central fact about this lender right now.

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