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Eddie Hoskins

As President and CEO of First Florida Financial Group, LLC my staff and I are committed to providing the highest level of customer service in the mortgage industry. Over the years I have personally loaned over 100 million dollars to consumers in the automotive finance industry. Since 2006 I have turned my focus to the home mortgage industry. Having originated hundreds of home loans myself and fully understand the importance of paying attention to the details that make the mortgage process go smoothly. I am involved in our community and versed on the trends and technology in the mortgage industry. My dedication to providing you with a well trained professional staff combined with competitive programs that make First Florida Financial Group, LLC the company to choose.


I know the Mortgage Business and Can Finance Easy, Complex and Tough Deals. I do this by utilizing my years of experience and outside the box, thinking to get buyers pre-approved for the maximum loan amount possible while keeping their down payment and closing costs as low as possible.


So how can I get buyers approved for higher loan amounts than others?

  • For Self-employed borrowers many times we can use just the most year recent tax returns when the prior year has a lower income.
  • Vehicle expense deductions, the IRS uses 55 cents per mile as the expense but we only need to count 24 cents per mile for income qualifying purposes, which increases the income.
  • I use the gross income of W-2 employees, which means that if a buyer has pre-tax deductions like retirement account contributions and health care deductions we add these amounts back into their income even though it's not listed as income on their W-2's.

These are just a few examples of what I do to get clients loans approved for a higher loan amount than most other lenders. Please call me today and let me help you with your mortgage needs.


Eddie Hoskins
President Senior Loan Officer
Cell 239.980.1022
Fax: 954.919.6330 
NMLS #238609
Eddie@FirstFLFinancial.com

          

Click on any of the mortgage programs links below to learn more our awesome loan products.


Prior Client Testimonials


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 long term by the end of the year or move out.  I had fair credit, not 20% down, a Deed in Lieu of Foreclosure 5 years ago, and tax liens less than 7 years ago still on my credit record.  My condo association would only accept conventional mortgages.  I had been turned down by 4 mortgage companies including the internet and local and I was ready to start packing when I did a Google search on - Can you purchase a condo in Florida without 20% down?  First Financial website popped up, I started reading and started to get some hope.  I filled out the online application on their website and before I was done within minutes Eddie called me. From there it was amazing, my landlord was selling it by owner and neither of us had a real estate agent or an attorney.  Eddie talked me through the whole process, morning, afternoon, and evening with calls and texts; he was always available. First Florida Financial's team processed my loan from that desperate day I applied WITHIN 6 BUSINESS DAYS.  It was amazing, still can't believe it's true.  We were scheduled to close on December 30th one day before my landlord's deadline when Eddie called to tell me the loan was finalized and we could close the week before Christmas.  I would highly recommend them to anyone for their attention and support through the whole process from application to close.  Don't give up until you've talked to Eddie and their team.

If anyone would like to talk to a previous customer I would be glad to talk to them.

Kathy Kaiser


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 a difficult closing.  We are now very busy fixing up on a deadline. Walls have been repaired throughout the condo and everything is being painted.  Plumbing is fixed which was cheaper than I thought.  We are moving this weekend now it is crunch time to get him out of one place to another.  Thanks again Eddie... we could not have done this closing with any other lending agent and I have closed quite a few homes in my day and used a few agents.  By far you’re the best.  

Nancy Britton



To Eddie, and the whole team at First Florida Financial.

The words "Thank You" seem so simple for all your hard work and dedication you committed to the approval of our loan. After been rejected, and denied for many other companies before, you moved mountains when we thought it was not possible, remained positive, gave us hope, and got it done. With our hearts in our hands, we scream thank you to the four winds with hopes that it will echo as a reminder that we will eternally be grateful!

Regards,

Jorge L. Perera.


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 would hinder the process considerably.   However, Eddie and the staff at First Florida Financial were on top of the ball every step of the way. and professional, courteous and available to answer and assist me with all my questions and concerns.  I would not hesitate for an instant on using them again, and in fact look forward to doing so! 

Thanks, guys!"

Josh Del Signore


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 loan officer referred me to Eddie, who was able to help me get the loan.

Eddie was a pleasure to work with; you clearly explained my options and provided timely information and communications throughout the process.

Eric Shaffer

Future homebuyers,

Hello, my name is Karen Hazelwood my husband Kevin and I recently bought a home in February of 2015. After a very stressful start due to my own fault I luckily found Eddie with First Florida Financial and he was able to come in and make everything go smoothly and he was there for me around the clock. I looked for a mortgage on lending tree and was matched with Quicken loans who gave my husband and me a preapproval for $150,000. After weeks of looking, we found a house and put in an offer. Everything started to fall apart there. First the offer was almost turned down because the realtor for the seller didn’t want to work with quicken. The seller went ahead and accepted the offer and then on New Year’s Eve I received a call that the underwriters refused our mortgage. After freaking out that we were going to lose the deal after weeks of house hunting luckily my realtor put me in contact with Eddie. On New Year’s Eve he was able to get our preapproval done and get our paperwork started same day with us. We ended up not buying that house since it failed inspection and Eddie kept in constant contact with us while we were continuing to hunt and even was able to get us a preapproval of $200,000 so we could look for a bigger home for our growing family. I would email him or even text him when I had questions about payments or what if we offered on a house how the deal should be structured. We found the home of our dreams and put in an offer and Eddie had the deal set up to even help us with closing costs and got us a closing in a month. Every step of the way with First Florida Financial was smooth they told us what forms they needed and we just signed it at home, scanned it and emailed it back to them. I got calls updating us on where we were in the process the whole way. Our interest rate they got us was so good when we went to Bank of America to get money for closing cost they tried asking if they could have serviced us better we told them our rate and the girl said “wow I haven’t’ heard of that low” . The day of closing Eddie was in constant contact with us letting us know what we needed for closing table and how the HUD was coming. The original HUD was done and the seller agreed expenses had been included on our side and he caught it and had it fixed for us. I can’t express how much we loved working with this group, everything went great and smooth. My only regret after everything is said and done is that I didn’t find them first and I had to deal with quicken at all. If Eddie tells you your approved that is what he means and their interest rates are lower than anyone and if you email them you will get a response soon after. If you have any questions or want to email me to verify my story feel free my email is zoink330@yahoo.com.

Sincerely,

Karen Hazelwood aka Proud Homeowner thanks to First Florida Financial and Eddie 

 

Sunbelt Realty, Inc.

Dear Eddie, I would like to personally thank you for your help in arranging the refinance of our home we built at 3757 Tangerine Drive, St. James City. You not only delivered the loan in a timely manner, but you provided counseling service as well, which was greatly appreciated. With the state of the economy, getting a bank or mortgage company to refinance our home was a very difficult process, starting with a construction loan that was denied on the scheduled day of closing because of a mortgage officer not doing her job correctly and then came the bank that sent an out of town appraiser who came back with a ridiculous and insultingly low appraisal. My problem was solved when I received an email from you and First Florida Financial Group, LLC. From that point on, it was smooth sailing. From beginning the application to closing the loan, it was a breeze. You are a pleasure to work with, highly professional and I would happily recommend you to fellow Realtors and buyers.

Sincerely, Jonna Bouchard

 

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 the great many months of hard work that you put in to help our family stay in the only home we’ve ever known. When we purchased our first home shortly before we were married, our thought was that it would be a temporary investment that would help us reconcile our debts at a later date. Life happened, and three years later we found ourselves minus two roommates and one job, plus one infant with another on the way and only one income remaining to sustain us. With our debt mounting, it appeared that we would likely have to walk away from the home that we had become a family in. We found your website by pure chance while searching for any viable lifelines – namely the Hope for Homeowners program. From the first day that we spoke with you, we were made to feel that there was indeed hope for our situation. Through your knowledge and expertise, you redirected us to a loan modification program that would better suit us and were able to negotiate an FHA Short Refinance with our lender in a transaction that would allow us to write off approximately 60% of our original loan value – approximately $280,000.00. The fact that you were even able to establish a point of contact with our lender was a miracle in itself – but your perseverance in maintaining communication with them to see the deal to closure was key. The final closing procedure was a breeze and we now find ourselves making long-term plans in a house that our children will be able to call “Home.” Above all, it was your perseverance to our personal situation that made it a privilege to have been able to work with you. You were consistently available to answer any of our questions or concerns and never failed to provide us status updates – even if nothing had changed – so that we were never in the dark as to where we were in the process. In a world where customer service has become non-existent, we truly felt that you had our family’s best interest in mind and will be forever grateful for the time and effort that went into saving our home. You truly have a gift for this type of work. Please feel free to use us as a reference at any time. Thank you again for everything and best wishes for the future.

Brian and Christi Johanneman

 

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!" An 8-month struggle with an indecisive buyer came to fruition, thanks to you your tenacity, knowledge, perseverance, and personality! You've got what it takes in a struggling industry and I have no doubt you'll be hearing from me in the future with other buyers to qualify!

Best Wishes, Anna Georgiadis, PA, GRI REALTOR since 1987 RE/MAX New Dimensions

 

To Whom It May Concern:

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 over the past year and he demonstrates knowledge and professionalism on each of the deals he has closed for me and my clients. Recently we worked on a short sale together where I was the buyer’s agent and without his efforts, it never would have got completed. Not only did he have the entire deal approved and ready to close in 3 weeks, he literally saved the home from a foreclosure sale with 40 minutes to spare. Eddie went way over and beyond the normal call of duty, he personally rented a moving truck and hired 2 people to move the sellers out of the home, who had no moving plans, on a Sunday so the out of state buyers would sign and close, thus stopping the scheduled foreclosure sale from going through. He created a “win win” situation for everyone involved. Additionally, he was able to obtain the estoppel after the title company failed to do so and walk them step by step on what needed to happen. Eddie's commitment and efforts were awesome with every deal I have sent to him. Please do not hesitate to call him when you need someone who is extremely knowledgeable and can get the deal done on time. Sincerely,

Daila Gross

Selling Paradise Realty

 

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 HOME! The purchase of this lovely home of ours would not have been even remotely possible if it were not for "your" hard work, dedication, compassion, and the genuine love of your job of helping people buy homes! We simply can not thank you enough. But we do THANK YOU from the bottom of our hearts. It has been a true pleasure working with you throughout this venture. From the first moment we spoke you were always honest, professional, compassionate, dedicated, understanding, and beyond driven to the point of being relentless and all while maintaining your integrity and faith. We thank you as well as sending prayers and blessings to you and your family now and always. You will always have our highest recommendation and coming from us does not come lightly, you have earned it!!!! Warmest Regards & Blessings.

Jose & Kimberly Arencibia

 

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Thanks and we look forward to working with you with your mortgage needs!

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