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 there the entire step of the way even taking phone calls late into the evening. His staff was also great to work with throughout the process. The bottom line is Eddie got us closed quickly when there were some doubts and extended timelines from other loan officer contacts that I have previously used. I would highly recommend Eddie and would not hesitate to use him in the future. My best friend has already reached out and working on a complicated loan due to his wife just becoming a 1099 employee, sounds like Eddie has found a way to get it done.

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 mortgage.

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 of mine and I couldn’t be happier with my choice. His team is truly a 5-star group and I will recommend them to anyone that may be in need of a mortgage because he has products conventional banks don’t offer. Thanks again first florida financial for making this an amazing experience and keep up the great work.

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 First Florida Financial Group.

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 in the market at the time when we found the dream house here and we needed to commit immediately, to not lose it. But it seemed that a financial miracle was needed, to be able to get to close. And Eddie and his team helped us to make this miracle happen! In regard to logistics, the documents required are collected via a secured portal, Eddie’s team is responding with professionalism and high speed to any questions/requests/concerns you might have, and they work closely with the client and the title company to get all the necessary steps (appraisal, inspection, insurance, survey, etc.) done promptly.

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.

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 reservations to recommend Eddie to anyone in the future. Thank you, Eddie and Simone, for helping us realize a dream we have had for a long time.

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 10% down on a Non-conforming loan, and then when we got it to underwritting they changed it to 20%. Once I called Eddie to start my mortgage, he knew exactly what was needed, kept me informed and we closed by the deadline. He got me the loan with 10% down, no MI, low interest rate, and closed in 3 weeks. Eddie is excellent to work with and it is the first time I experienced this process on target. Thanks Eddie, you are an expert, fast and VERY effective.

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 while on a boat! I am a transplant from the north and real estate is just different in Florida. Having Eddie and his team there to guide us was a real help. I highly recommend Eddie and First FL Financial, he just made a stressful time better

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 me and my agent daily with an updated status and kept us both well informed of what they would be doing next. They go above and beyond to provide such a high quality of service that you will never consider using any other lender once you have worked with Eddie and his team. I cannot say enough about how easy they made the process.

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 yet. The design of the workflow, communication and the speed of the transaction is the way all mortgage applications should be done. My only wish would be to allow a drag and drop interface on the website instead of an upload process. Other than that the whole experience was top notch and I highly recommend this team for mortgage origination.

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!!