Eddie Hoskins 5% Down Payment Jumbo Loans

President – Senior Loan Officer

I started First Florida Financial Group, LLC in 2006 and over the years I have learned what it takes to properly pre-qualify home buyers and get both simple and complicated deals approved and to the closing table on time, while at the same time providing a great experience for my realtor partners and home buyers. I specialize in Jumbo Mortgages and welcome the opportunity to work with you.

Please call me any time I don’t keep bankers hours.

5% Down Jumbo Loans

5% Down on Primary Residences & Second Homes.
10% Down on Condos.
25% Down for Investment Properties.
VA Jumbo Loan Options.

What Is a Jumbo Loan?

A Jumbo Loan is a loan that is above the conventional loan limit set by Fannie Mae and Freddie Mac, who purchase loans from lenders. If the loan amount is higher than $484,350 then it is considered a Jumbo Loan.

Our Jumbo Loan Program Features

5% Down $2,000,000 loan amounts.
10% Down $3,000,000 loan amounts.
No waiting period options available for Prior Foreclosures and BK’s.
Up to 50% Debt to Income Ratios.
Gift Funds and Co-Signers are Allowed.
First Time Home-Buyers are Ok.
Our Jumbo Loans have No Monthly (PMI).
Bank Statements as Income Loans are Available.

Why Should You Choose Me For Your Jumbo Home Loan?

We can use One-Year Tax Returns or Asset-As Income.
We work for You & Not the Bank.
We have Low 30 Year Fixed & ARM Jumbo Rates.
“We Think Outside The Box“
Our E Zip Mortgage Gets loans Closed Fast (as little as 21 days).
We can do a Piggyback 2nd Mortgage to help get your loan approved.

My 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. I closed quickly with no…read more →

Joseph Coughlin

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…read more →

Ash Smith

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…read more →

Jose Valle

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…read more →

Gaston Bogomolni

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…read more →

Daniela Radu

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…read more →

Ivania Marin Morales

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…read more →

Andrea Paradiso

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…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…read more →

Sara P

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…read more →

James Villano

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…read more →

Susan Schmidt

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…read more →

Jan Brown

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…read more →

Josue Quinones

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…read more →

Joe Bazarte

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…read more →

Mike Lendino

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.…read more →

Robert S.

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…read more →

Fred Elder

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…read more →

Eddie Babin

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…read more →

Jesika Morgrette

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…read more →

Gordon Fraser

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…read more →

Rose Mabry

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…read more →

Michele Johnson

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…read more →

Alex Khademi

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…read more →

Bruce Butterworth

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…read more →

Sergio and Veronica

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…read more →

Jose & Kimberly Arencibia

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…read more →

Daila G.

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!"…read more →

Anna G.

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…read more →

Brian and Christi Johanneman

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…read more →

Jonna Bouchard

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…read more →

Eric Shaffer

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…read more →

Josh Del Signore

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…read more →

Nancy Britton

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…read more →

Kathy Kaiser

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,…read more →

Stephen Hershkowitz

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…read more →

Charles Knowlton

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…read more →

Jeri Vinson Saulsbury

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…read more →

Dani Lima

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…read more →

Matt Davis

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…read more →

Jorge P.

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…read more →

Melk M.

I’m Purchasing

I’m Refinancing

Current Florida Jumbo Mortgage Rates

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

How to get the Best Jumbo Mortgage Rates

Start with the “Loan Purpose” box and fill in as many of the fields as you can in our Request Rate Quote Tool to get the most accurately personalized quote.

Get Your Custom Rate Quote

Are You Concerned You May Not Qualify for a Jumbo Loan Because?

Debt to Income Ratio is a little too High.
Credit Scores are a little Too Low, Not to Worry we are masters at analyzing your credit report and doing a Rapid Credit Rescore.
Prior Foreclosures, Short Sales or Bankruptcies.
Currently, have a Primary Residence that you want to sell after you close on after you purchase your new home and you might not qualify with both mortgage payments.
Don’t have Enough Reserves.

Not to worry I overcome these problems all the time, I know the Florida Jumbo Mortgage Business and can Close Easy, Complex and Tough Deals. I do this by utilizing my “Outside The Box Thinking” to get you Approved for the highest loan amount possible while keeping your down payment and closing costs as low as possible.

No-Cost Appraisal Offer

Whether you’re buying a new home or refinancing, closing costs are a necessary evil and we’re helping home-buyers and homeowners save thousands of dollars with our no-cost appraisals and here is how it works. You simply pay for the appraisal up front, as all other mortgage companies require you to do and as long as your loan amount is over $484,350 we will credit you back up to $525.00 of your appraisal cost at closing.

To take advantage of this offer You MUST Register prior to Applying with us…… yep, it’s that simple! By the way, we don’t charge any loan application, interest rate lock-in or any other upfront fee’s like many lenders do.

No Cost Appraisals – Get Started