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FAQ's

  • What is the process of applying for a mortgage?

It's simple. Just call or email or stop on by and talk to one of our mortgage professionals. They will be glad to answer any of your questions.

  • My home is underwater, can I refinance to get a lower rate?

Yes you can with the new HARP 2 conventional loans and existing FHA/VA loans even homeowners who owe more than their home is worth can refinance for a lower rate. Call us to find out if you can qualify.

  • How much will it cost to get started?

For a mortgage consultation there is no charge! To get the application started it's simply the minimal cost of a credit report.

  • Can I meet you in person or do you only take applications online or by telephone?

We're not just a website, we're your local mortgage lender. You can visit us at our office in downtown Winter Park but we certainly can work very efficiently and effectively online and over the phone.

  • In today's market can a self employed borrower with complex tax returns get a mortgage?

Absolutely! Individuals with a complex financial situation benefit from First Florida Lending's depth of knowledge and expertise in the area. We worked with many self employed borrowers and are experienced in getting your loan approval by having an extensive understanding of tax return analysis.

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  • Are there loans that will go over 80% Loan to Value?

Yes, there are many loans that will go over 80% Loan to Value. Please call for details.

  • Why is it better to do a mortgage with your company and not the bank?

A retail bank has extremely limited product lines. We will research and compare numerous lenders and programs on your behalf to find you the best deal that suits your specific situation. All at wholesale rates!


Our Rates

We price each loan individually and feel strongly that publishing rates on the internet may confuse more than help. However, we are very aware of your interest in interest rates, but rates are constantly changing throughout the day like the stock market. Our rates are always low. That's because we constantly search throughout our nationwide network of lenders to understand what's new, and what's evolving to meet your needs. Every day.

Some reasons why we don't publish rates:

  • Rates and rate locking are much more complex than publishing one number for all mortgages.
  • Loan size and lock period affect the rate quote.
  • Talk to us about your needs, without pressure. You'll have the confidence of know that we've left no stone unturned to find you the best option. We'll help you make the smart choice for your financial future. That's the First Florida Lending Advantage.