About Us
Mortgages are built around you, not the other way around.
1st Florida Lending (About Us)
Mortgages are built around you, not the other way around.
"At 1st Florida Lending, we believe every borrower deserves more than a competitive rate, you deserve a direct lender who actually listens. As a top-rated Direct Mortgage Lender since 2007 serving borrowers from Florida to California, we combine deep expertise, flexible programs, and genuine personal guidance to help you secure the right financing with confidence."
Carlos Matos
CEO & Founder / 1st Florida Lending
Why we offer more loan programs than any other direct lender in Florida
- We offer 48+ core loan programs with 112 ways to say yes
- So you get the right loan, not just any loan
- Loans tailored to your scenario
- More flexibility, more ways to get approved
- Benefit-focused: approval + flexibility
- Backed by experience. Powered by options.
Who We Are
We are direct lenders, not retail brokers. That distinction matters. It means we control your loan from the moment you apply to the day you close — no middlemen, no unnecessary delays, no extra fees, and no one-size-fits-all decisions. We built our reputation on offering 48+ loan programs a lineup that has since grown to 112 lending program solutions. Backed by an in-house team of seasoned loan officers and processors, we have the flexibility and expertise to say yes when other lenders say no.
Ready to explore your options?
Speak with a local Florida mortgage professional. No obligation. No credit check.