5% Down Jumbo Loans
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→
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→
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→
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→
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→
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→
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→
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→
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→
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→
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 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→
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→
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→
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→
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→
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→
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→
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→
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→
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→
Current Florida Jumbo Mortgage Rates
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.
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.