Welcome to First Florida Financial Group, LLC

We’re One of Florida’s Leading Mortgage Companies and Were Founded in 2006.

We are often asked why our slogan is “We Think Outside The Box”? It’s the phrase that best describes how we get home loans approved and closed when others can’t. The second thing that many people ask us is what’s E Zip Mortgage? E Zip Mortgage was developed by First Florida Financial Group and is our Online Mortgage Technology that allows borrowers to see your Credit Scores Immediately and get Pre-Qualified in minutes. Reduces paperwork and provides you with a secure, collaborative, document portal, that constantly notifies you via text messaging & emails with all loan updates. It also provides both you and your realtor with loan status updates via text messages and emails throughout the entire loan process, so neither of you is ever wondering what’s the status of your loan.

We know the Florida Mortgage Business and can close easy, complex and tough deals while treating you with respect, professionalism and consistent service.

“We Think Outside The Box“

CLIENT REVIEWS

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 on the ball and his...read more→

Jose Valle

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 be approved. We got our...read more→

Melk M.

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, always available to take my...read more→

Stephen Hershkowitz

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 and told me in advance...read more→

Josue Quinones

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 our credit history. You made...read more→

Jeffrey & Mary Van Craenenbroeck

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

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 to date, with setbacks at...read more→

Dani Lima

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 effort and for doing such...read more→

Andrea Paradiso

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 up being less expensive than...read more→

Charles Knowlton

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 put in to help our...read more→

Brian and Christi Johanneman

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...read more→

Jose & Kimberly Arencibia

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 to anyone seeking a mortgage...read more→

Susan Caple

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 it all! We will always...read more→

Fred Elder

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 house you really make it...read more→

Thelma ®exhepi

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...read more→

Nancy Britton

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 my condo as a "condotel"....read more→

Rose Mabry

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 officer. Mr. Meyer was very...read more→

Marco Pantalone

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 with. This purchase would not...read more→

Alex Khademi

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...read more→

Eric Shaffer

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 along the way. Great job...read more→

Colby Brannan

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 was handled without a lot...read more→

Jan Brown

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

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 had met possibly the best...read more→

Priscilla Perez-McGuire

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

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...read more→

Daila G.

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 was in another state 1500...read more→

Bruce Butterworth

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. I must Say I got...read more→

Robert S.

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 roadblock with the financing. I...read more→

Jesika Morgrette

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 end. We had a unique...read more→

Jenna Cousino

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 very diligent in ensuring all...read more→

Vivian and John Gomez

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 was able to close on...read more→

Ivania Marin Morales

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 moved mountains when we thought...read more→

Jorge P.

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 signing and document gathering with...read more→

Matt Davis

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 and very responsive in addition...read more→

Nydia Sahagun

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 manner. He was there to...read more→

Carrie Renzi

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 us a loan for a...read more→

Sergio and Veronica

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 me on anything I needed....read more→

Katie Rathgeb

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 day, today, all efforts to...read more→

Daniela Radu

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 manner, but you provided counseling...read more→

Jonna Bouchard

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....read more→

Josh Del Signore

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 for loan approval. Darren was...read more→

Nick Easter and Patricia Botero

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

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 you of things that should...read more→

Bruce Baerwalde

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 no PMI. Traditional lenders wanted...read more→

Sara P

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 you for the wonderful service.

Eddie Babin

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 with and how honest he...read more→

Gibby Eagle

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 you had questions Joe was...read more→

John Bradshaw

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.

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 issues. The Ezip process is...read more→

Joseph Coughlin

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 has over 30 years experience,...read more→

Susan Schmidt

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 I purchased for my retirement. it’s...read more→

Joe Bazarte

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 time (within 30 days) where...read more→

Michele Johnson

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 completely focused on success and...read more→

Gordon Fraser

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 was able to make it...read more→

Gaston Bogomolni

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 process can be upsetting; and...read more→

Gerar Estrada

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 file and a relatively quick...read more→

Mike Lendino

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...read more→

Kathy Kaiser

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 been happier. He worked tirelessly...read more→

Jeri Vinson Saulsbury

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 cares about the customers he...read more→

James Villano

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 confident that Eddie was going...read more→

Ash Smith

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

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...read more→

Anna G.

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