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. He suggested some creative ways to do what I was looking for – combining two loans to avoid PMI and “jumbo loan” status. He also worked with me to identify what debts were hurting my credit score so I could pay them down and obtain better rates as we got near closing. All in all, he and his colleagues were masterful. I was able to purchase an amazing historic home in Avondale, Jacksonville, FL and could not have done it without his focused and dedicated assistance.