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E Zip Mortgage Home Loan Experts

Finding a great home loan involves careful consideration of your needs, finances, and history. We are here to guide you.

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When you “CLICK HERE” you’ll instantly see today’s lowest mortgage rates. If you see an interest rate you like, you can click to head straight to get your Custom Rate Quote. 

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Client Reviews

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.…read more →

Joseph Coughlin
Rating: 5

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…read more →

Ash Smith
Rating: 5

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…read more →

Jose Valle
Rating: 5

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…read more →

Daniela Radu
Rating: 5

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…read more →

Ivania Marin Morales
Rating: 5

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…read more →

Bruce Baerwalde
Rating: 5

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…read more →

Sara P
Rating: 5

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,…read more →

James Villano
Rating: 5

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…read more →

Susan Schmidt
Rating: 5

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…read more →

Jan Brown
Rating: 5

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…read more →

Josue Quinones
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…read more →

Mike Lendino
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…read more →

Robert S.
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…read more →

Fred Elder
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…read more →

Eddie Babin
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…read more →

Jesika Morgrette
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…read more →

Gordon Fraser
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…read more →

Michele Johnson
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…read more →

Alex Khademi
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…read more →

Jose & Kimberly Arencibia
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…read more →

Jonna Bouchard
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…read more →

Nancy Britton
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.…read more →

Stephen Hershkowitz
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…read more →

Charles Knowlton
Rating: 5

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Why should you choose us for your home loan?

We work for you & not the bank, we offer wholesale mortgage rates that are lower than retail rates not to mention, we offer a wide variety of loan options so you not stuck with one set of restrictive underwriting guidelines.

 

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We’ve streamlined the mortgage process, close in 30 days or less.

From application to closing, all from the palm of your hand.

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Expert advice at your fingertips

Our home loan experts are available 7 days a week to answer all your home loan questions. We don’t keep banker’s hours…. we understand that you have busy schedules, that’s why we’re available nights and weekends.

Call us today (877) 424-4562
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Eddie Hoskins Founder/CEO

“My mission is to give our clients their most enjoyable home buying experience, I’m focused on making sure their process is simple.”

“We Think Outside The Box”

Our “Outside The Box Thinking”  gets home loans approved and closed every day! From Bank Statement loans to 50% debt to income ratio approvals, we do them all.

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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

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.

Bank Statement Self-Employed Loans

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.

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.

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.

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