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, while at the same time providing a great experience for my realtor partners and home buyers.


Phone: (239) 980-1022

Client Testimonials

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 to get the job done. Our loan was very time sensitive with a few hurdles that he navigated us through efficiently and professionally. Eddie was…read more

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 super easy and fast and Eddie”s team is on the ball the entire time. I highly recommend First Florida Financial to anyone looking for a…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 on the ball and his team is great to work with. They do not make false promises and always uphold their word. I was referred to Eddie by a friend…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 was able to close on my home much earlier than expected. Simone was especially kind and patient to answer all of my questions at any given time. I highly recommend…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 was able to make it happen, always creatively. Thank you and I highly recommend them!

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 make this purchase happen were outstanding on their part. Our previous house, located in another part of the country, where we moved from, was still…read more

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 10% down minimum. My credit union would do a loan with 5% down, but required PMI. Eddie at First Florida responded immediately to my query.…read more

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 a wonderful job!!!!

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 be considered even when he might not benefit him directly. I can say the process was thorough, done in good time and I have no…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 and told me in advance the outcome of my loan process with banks (frustrating process with loan officers). The loan officer of the bank told me they could do a…read more

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 serves. The service is incredible. Eddie will respond to all your questions immediately either by text or email. He answered the phone on the weekend…read more

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, said the exact same thing about him. His team is so efficient and professional that I was ready to close in three weeks. They called…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 was handled without a lot of drama. This is the 7th property I have acquired where there was a mortgage involved and it has been by far the best experience…read more

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 a GREAT Rate with no monthly mortgage insurance and we closed in 30 days! Thanks so Much!!

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 was quite a big endeavor, particularly since I was already turned down by a vendor who I had been associated with for 30 years and…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 file and a relatively quick closing, the team effort to push my closing across the finish line went very smoothly. I would highly recommend Eddie and his team and plan…read more

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 highly recommend your company. Thanks

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.

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 called First Florida Financial Group as my last hope. Which I would like to add I should have called them FIRST. Eddie and Simone were…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 completely focused on success and finding solutions to any obstacles in the path to expeditiously closing ... on schedule! It was a real pleasure working with Eddie, Simone and the…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 my condo as a "condotel". I was referred to Eddie Hoskins by a local realtor. I am very happy to say that the refinancing is now complete - I am…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 time (within 30 days) where other companies couldn't. He even created an innovative loan package to allow me to avoid PMI. The real estate agent and title company were very…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 with. This purchase would not have happened without you! Thank you!

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 miles away and I had a short timetable running up against the Christmas holidays. With a non-traditional income stream, and a boatload of obstacles to…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 us a loan for a condo unit that no other company would even look at. Home Owners Associations, Investor-owned ratios, tenant delinquencies, etc. None of these were an issue with…read more

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 lovely home of ours would not have been even remotely possible if it were not for "your" hard work, dedication, compassion, and the genuine love…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 over the past year and he demonstrates knowledge and professionalism on each of the deals he has closed for me and my clients. Recently we worked on a short sale…read more

  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 indecisive buyer came to fruition, thank you your tenacity, knowledge, perseverance, and personality! You've got what it takes in a struggling industry and I have no doubt you'll be…read more

  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 family stay in the only home we’ve ever known. When we purchased our first home shortly before we were married, our thought was that it…read more

  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 service as well, which was greatly appreciated. With the state of the economy, getting a bank or mortgage company to refinance our home was a…read more

  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 Eddie, who was able to help me get the loan. Eddie was a pleasure to work with; you clearly explained my options and provided timely…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 would hinder the process considerably. However, Eddie and the staff at First Florida Financial were on top of the ball every step of the way. and professional, courteous and available…read more

  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 now very busy fixing up on a deadline. Walls have been repaired throughout the condo and everything is being painted. Plumbing is fixed which was…read more

  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 of the year or move out. I had fair credit, not 20% down, a Deed in Lieu of Foreclosure 5 years ago, and tax liens…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, always available to take my calls and patiently explaining whatever I may have trouble understanding. Bravo to all, I will definitely recommend First Florida.Financial to all my friends!

  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 the Quicken Loan deal that I was originally trying for. Eddie finds a way to make things happen when others just end up saying "No".

  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 to match us with a lender and secure all the required documents. He provided us with a secure site to upload our information, then continually…read more

  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 every turn, but your team lived up to your slogan “We Think Outside the Box”, going above and beyond. I wouldn't be a homeowner today…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 signing and document gathering with the portal was impressive and well organized! I defiantly recommend Eddie and the First Florida Financial Group to anyone!

  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 it was not possible, remained positive, gave us hope, and got it done. With our hearts in our hands, we scream thank you to the…read more

  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 dream house 3 weeks ago thanks to him and his company. They were great from the beginning to the end, helpful, friendly, and very professional.…read more

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