First Florida Financial Group, LLC | Florida Mortgage Loans

ABOUT OUR COMPANY

First Florida Financial Group, LLC knows the Mortgage Business and can finance easy, complex and tough deals, will treating you with respect, professionalism, and deliver consistent service while at the same time delivering on time loan approvals and closings.

So why do so many home buyers and realtors choose us?

Fast and thorough pre-qualifications.
Don’t operate under “bankers’ hours”.
Always looking for ways to make deals work.
Understand the importance of getting loans closed on time.
Constant communication throughout the loan process.
Know how to get difficult condo loans approved and closed.
Utilize our “Outside the Box Thinking” to get buyers pre-approved when others don’t.
By offering the best and most extensive list of loan options available, so we can be your one-stop mortgage company.

“We Think Outside the Box”

First Florida Financial Group, LLC

Loan Options

Jumbo Home Loan

5% Down Payment Jumbo Loans, buy your dream home with a very small down payment.

Condo Home Loan

We make condo financing quick and easy with down payments as low as 1%. Non-warrantable and Condo-Hotel properties, we finance those too.

First Time Home Buyer Loan

Are you a first time home buyer or haven’t owned a property in the last 3 years? Then you may qualify for our 1% Down Payment Loan Program.

Renovation Home Loan

Renovation mortgage programs allow buyers to purchase or refinance the costs of repairs based on what the house is expected to be worth after the home rehab is completed.

FHA Home Loan

An FHA loan provides a government-insured loan with flexible loan options. Less strict credit requirements and qualifications.

VA Home Loan

Are you are a veteran, member of the military or military spouse? You may qualify for a VA loan.

Refinance Home Loan

Want to consolidate your debt, lower your interest or pay off your mortgage faster? Were ready to help you.

USDA Home Loan

A USDA loan provides a government-insured loan with Zero Down Payment for rural areas through the state.

CLIENT TESTIMONIALS

I want to take this time to thank Collin Atchison and his team for the professionalism they displayed while processing my home loan. Applying for a mortgage these days can be daunting. Collin thoroughly explained…

Tim Ady

Dealing with First Florida Financial was truly a great experience. Eddie got back to me immediately in the early stages of the loan and got the ball rolling quickly! After our initial conversation, I felt…

Ash Smith

First Florida Financial was highly recommended by a friend to help with a complex home sale. Eddie and his team found solutions quickly that no other mortgage experts could develop. I closed quickly with no…

Joseph Coughlin

As a first time home buyer, I was unfamiliar with the process, to say the least. Not only was Darren very informative, but he was also extremely pleasant and always quick to get back to…

Katie Rathgeb

Very easy and organized the best mortgage experience I've ever had. Tim was on point and what to do and right on schedule with everything. I would definitely work with them again anytime. Thank you.

Brent Brown

David Conde and his team (Kim and Erica) delivered on everything they said they would do and more. Before calling David, we had trouble with our home purchase and I thought it was a dead…

Jenna Cousino

Applying for a loan is extremely stressful but my experience has been amazing. Eddie always puts the client's interest first and is extremely honest and respectful. He is of unparalleled caliber and authenticity. He is…

Jose Valle

Eddie and Simone exceeded my expectations. Eddie's team was able to offer me a loan that very few lenders do with less money down. We went through the process without any major hiccups and I…

Ivania Marin Morales

From the beginning of the process when Eddie answered the phone until closing the whole team of First Florida Financial have been extremely attentive and awake! Our situation was not the conventional one and Eddie…

Gaston Bogomolni

We want to thank a million times to Eddie Hoskins and his team at First Florida Financial Group. Everything, from initiating contact with Eddie on a Saturday afternoon about five weeks ago, until the closing…

Daniela Radu

David was extremely helpful and knowledgeable throughout the process. He followed thru on everything promised and was available for questions whenever we had them. Highly recommended!

Lori Dickinson

Ryan was a delight to work with. He kept us informed on each stage of the Loan Transaction. I would highly recommend him to future customers.

KAYE MERCER

I found First Florida through a web search borne out of frustration. I knew there had to be financing out there that would allow me to get a large mortgage with very little down and…

Sara P

We hired Eddie and his team when we decided to buy a home. We are now in our new home, and we closed on time as agreed. Thank you so much for all of your…

Andrea Paradiso

From the first call to the closing Eddie and his team were available 7 days a week for any question or even to just guide us through the process. He takes the time to remind…

Bruce Baerwalde

Waste no time. Eddie will get the job done. I started working with big banks assuming I was in good hands. My wife found Eddie searching online and I was skeptical. Eddie reviewed my case…

Josue Quinones

I found Eddie and First FL Financial solely by accident doing an internet search. I could of not been happier that I did. I have never met him in person, but can tell that he…

James Villano

Eddie and his team are amazing and a pleasure to work with every step of the way! Eddie is by far the best mortgage person I have ever known and my real estate agent, who…

Susan Schmidt

Ryan was always a pleasure to work with! He is always on top of his game and is there to answer any and every question. Clients have bragged about how easy Ryan is to work…

Gibby Eagle

I was very pleased with having Ryan Meyer as my loan officer. This was my second attempt at purchasing a home of my own, and it was night and day compared to the previous loan…

Marco Pantalone

David Conde is the best!. He was available for us throughout the whole loan process and really was on our side when we needed him. He keept us positive during stressful times, as the loan…

Gerar Estrada

Eddie and Simone were awesome to deal with. The entire process was handled professionally and smoothly. I can honestly say that this was the first time that I have purchased a property where the transaction…

Jan Brown

Joe was helpful, responsive and a pleasure to work with from the very beginning. He made the process easy and stress-free. Thank you Joe!

Peter Chambers

Joe delivered great customer service, was very responsive, worked hard to make sure we could close quickly and we got a great rate! Way to go Joe!!

Jennifer Ripo

I can not say enough good about Joe and the team that worked on my loan, from start to end the whole process was easy and quicker than expected. Every thing was explained and if…

John Bradshaw

We recently relocated to Florida and landed on First Florida Financial as our broker.. Joe Galluzzo was our loan officer and made the entire experience pleasant and efficient. Throughout the process he was always available…

Nydia Sahagun

Joe was a pleasure to work with - always accessible and straight forward throughout the entire loan process. He made the mortgage process as easy as possible and I felt that he was our advocate…

Colby Brannan

We would like to thank Joe Galluzzo and his team for the awesome service we received. Joe's exceptional professionalism and knowledge of the industry was impressive and truly appreciated.

Toni Marie D.

Excellent Company! I was looking for a Jumbo Loan and didn't want to put 20% down, I found a lot of lenders offering 10% down payment and then I found First Florida offering 5% Down.…

Robert S.

Eddie and Simone, his assistant, did a great job in helping me secure the financing I needed on my debt consolidation loan for all the credit cards balances I had rung up renovating the home…

Joe Bazarte

Eddie and his team did a fantastic job. I had a very complicated file and the team communicated thoroughly throughout the entire process and came up with solutions when others could not. With a complex…

Mike Lendino

I want to thank the entire team for getting us Thru the VA home loan process. Your E Zip Mortgage online system made it smooth and EASY. Being a return customer for the second time, Says…

Fred Elder

Eddie and his team did an excellent job preparing and guiding me through the application process. It was quick and painless compared to the many other mortgages I have applied for in the past. Thank…

Eddie Babin

Words cannot describe how grateful we are for Eddie Hoskins and his team. My family and I have recently relocated to FL from Mi. My husband just started a new job and we hit a…

Jesika Morgrette

Eddie and the First Florida Financial team were nothing short of outstanding! This was, by far, the most straightforward, professional mortgage loan process we have ever experienced. Eddie has an amazing "can do" approach, is…

Gordon Fraser

Eddie, I wanted to refinance my beach condo to get away from the ARM but I was having difficulty finding a lender who would do a conventional mortgage because someone at some point had classified…

Rose Mabry

Eddie was my hero throughout the home buying process. I had a somewhat complicated situation, and he made the loan possible where others couldn't. The E ZIP process was fast and easy. We closed on…

Michele Johnson

Thank you, Eddie Hoskins and his dedicated and skillful staff were able to make the impossible possible! I will honestly say that he is the most competent and knowledgeable loan officer that I have ever worked…

Alex Khademi

Thank You, Tim Canney walked with me each step to ensure everything he promised was carried out. Even after the loan closed he got involved in an issue that needed resolving. I would highly recommend Tim…

Susan Caple

Thank You, TimWe are an unconventional loan and knew we couldn't easily qualify for a traditional mortgage. Tim Canney was extremely helpful in securing us a mortgage for our dream home ... and in a timely…

Carrie Renzi

Darren, Thank you for all your help , today is the first day in our new home , I just want to let you know that in the whole process that involves the purchase of our…

Thelma ®exhepi

Hi Darren, First Florida Financial Group, specifically Darren did an amazing job in helping us obtain our new residence. The knowledge that he had on working on our VA application was amazing! He was…

Vivian and John Gomez

Dear Darren: We would like to take this opportunity to thank you for your expertise, professionalism, and superb attention to detail related to our closing. We never thought we could secure a loan with…

Jeffrey & Mary Van Craenenbroeck

Darren Lynch has been a fantastic mortgage broker from start to finish. Early in our search for home financing, one of the other lenders we worked with briefly had a long list of conditions…

Nick Easter and Patricia Botero

When choosing a mortgage partner I always look for three important qualities: Honesty, Availability, and Knowledge. When I met Darren Lynch, from First Florida Financial, I knew from my very first conversation that I…

Priscilla Perez-McGuire

I can't thank Eddie Hoskins and his staff enough. I had a tricky situation... I had a purchase & sale agreement to buy a condo in Florida and I just fired My mortgage company. I…

Bruce Butterworth

Eddie Hoskins, Thank you, Thank you, Thank you. After being led on, misinformed, and denied by 4 other mortgage companies, you and First Florida Financial Group did the "impossible" and were able to get…

Sergio and Veronica

Eddie, I know it has been over a week since we last spoke but we have been so busy with the move into our "new home"! The key word is HOME...not house or property, but…

Jose & Kimberly Arencibia

When you need a mortgage broker/lender that can get the transaction closed, I want to tell you about Eddie Hoskins, President of First Florida Financial Group located in Ft Myers Florida. I've worked with Eddie…

Daila G.

Hi Eddie, Thanks so much for the great job you did with a VA loan for Randy K. He came to me with a pre-qual from you and you "stood the test of time!"…

Anna G.

Dear Eddie, Now that the dust has settled and reality is starting to set in, we wanted to take a moment and thank you for a great many months of hard work that you…

Brian and Christi Johanneman

Dear Eddie, I would like to personally thank you for your help in arranging the refinance of our home we built in St. James City. You not only delivered the loan in a timely…

Jonna Bouchard

Hi Eddie I originally applied to my bank for a loan on a rental condo that I was purchasing, but because it was a condo hotel, they would not write the loan. My bank…

Eric Shaffer

Hello Eddie, Eddie and his team make the mortgage application and approval process virtually seamless for me, from beginning to end. Being a foreign national, my application layered on additional complexities that I thought…

Josh Del Signore

Dear Eddie, Thank you for all your support during the last year. I will always recommend you for loans to my friends and family. You did an outstanding job getting my son through such…

Nancy Britton

Eddie, Processed loan and closed in 6 business days after I was turned down by 4 mortgage companies. My landlord told me I had to purchase the condo I loved and had been renting…

Kathy Kaiser

Thank you, Eddie, for putting this mortgage together for me. I was operating on a meager budget with a limited amount of savings and you came through for me. Your supporting staff was amazing,…

Stephen Hershkowitz

Eddie Hoskins and his team at First Florida Financial really helped me when others had declined on me. He was able to work out a deal in a very short time frame that ended…

Charles Knowlton

We purchased a condo in PCB FL and had a hard time finding a mortgage due to the condo being classified as a "Condo-Tel" Eddie was referred to us by another lender and we couldn't have…

Jeri Vinson Saulsbury

To Eddie, Simone, Kim, Erika & Tim - thank you so much for everything you did in order to make my first condo purchase a reality. I'm sure I had the most challenging transaction…

Dani Lima

Eddie and his team were very professional and enthusiastic to help. The prompt responses even after hours gave the impression of being an important client and not simply a finance business transaction. The virtual…

Matt Davis

Eddie, The words "Thank You" seem so simple for all your hard work and dedication you committed to the approval of our loan. After being rejected, and denied by many other mortgage companies before, you…

Jorge P.

Let me start with this, 3 different companies denied a mortgage loan to us. Eddie was able to let us know from the moment we called him, what we needed to do exactly to…

Melk M.

Jumbo Home Loan

Condo Home Loan

First Time Home Buyer Loan

Renovation Home Loan

FHA Home Loan

VA Home Loan

Refinance Home Loan

USDA Home Loan

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The Importance of Building Equity in Your Home

Understanding the Benefits of a VA Loan for Veterans and Service Members

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