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

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.
Rating: 5

  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
Rating: 5

  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
Rating: 5

  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
Rating: 5

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.
Rating: 5

  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
Rating: 5

  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
Rating: 5

  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
Rating: 5

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
Rating: 5

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
Rating: 5

  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.
Rating: 5

  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
Rating: 5

  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
Rating: 5

  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
Rating: 5

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
Rating: 5

  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.
Rating: 5

  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
Rating: 5

  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
Rating: 5

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.
Rating: 5

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
Rating: 5

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
Rating: 5

  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
Rating: 5

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
Rating: 5

  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
Rating: 5

  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
Rating: 5

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
Rating: 5

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
Rating: 5

  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.
Rating: 5

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
Rating: 5

  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
Rating: 5

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
Rating: 5

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
Rating: 5

  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
Rating: 5

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
Rating: 5

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
Rating: 5

  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
Rating: 5
Meet Our Team
Our talented team is here to guide your mortgage journey.
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LOAN OPTIONS

Jumbo Home Loan 5% Down Payment

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

Condo Home Loan 3% Down Payment

We make condo financing quick and easy with down payments as low as 3%. Non-Warrantable and Condo-Hotel loans too.

First Time Home Buyer 3% Down Payment

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

Conventional Home Loans

3% down payment for First Time Home Buyers, 5% down payment for Non-First Time Home Buyers, 10% down payment on Second Homes.

Multi Family Property Loan 15% Down Payment

Multi-Family Properties, Duplex, Triplex, or Fourplex to Earn Rental Income.

Reverse Mortgage

Reverse Home Mortgage Loan, A Florida Reverse Mortgage is a Loan for Seniors Age 62 and Older.

FHA Home Loan 3.5% Down Payment

An FHA loan allows a low 3.5% Down Payment with a 580 credit score, less strict credit, and underwriting requirements.

VA Home Loan ZERO Down Payment

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 rate or pay off your mortgage faster? Were ready to help you.

USDA Home Loan ZERO Down Payment

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

Renovation - Rehab Loans

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

Bank Statements as Income

This a great way to qualify for a home loan if you are self-employed and don’t claim enough income on your tax returns.

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