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logo
  • Home
  • Loan Products
  • Purchase
  • Refinance
  • Reverse Mortgage
  • Home Buyer Resources
  • Calculators
  • Loan Programs
  • Loan Process
  • Mortgage Basics
  • Online Forms
  • FAQ
  • Borrower Portal
  • Contact
  • Contact 1st FML
  • Book a Call
  • About Us
  • Reviews
  • Blog
  • (305) 779-8420
logo
  • Home
  • Loan Products
    • Purchase
    • Refinance
    • Reverse Mortgage
  • Home Buyer Resources
    • Calculators
    • Loan Programs
    • Loan Process
    • Mortgage Basics
    • Online Forms
    • FAQ
    • Borrower Portal
  • Contact
    • Contact 1st FML
    • Book a Call
    • About Us
    • Reviews
  • Blog
Apply Now

Loan Programs

Which Mortgage is Right for You?

There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we’re here to help you choose the best type of home loan for your needs.

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Mortgage Rate Options

Fixed Rate

The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan’s lifetime.


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Adjustable ARM

Adjustable-rate mortgages include interest payments which shift during the loan’s term, depending on current market conditions. Typically, these loans carry a fixed-i...


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Interest Only

Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle, for a specif...


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Graduated Payments

Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time (e.g. five or ten years) and...


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Loan Program Options

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FHA Home Loan

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

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VA Loans

VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no ...

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USDA Loans

If you're looking to buy a home in a rural or suburban area with no down payment and minimal investment, you might consider the USDA Rural Development Loan.

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Jumbo Loans

A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $548,250 in...

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About Us

We've been helping customers afford the home of their dreams for many years and we love what we do.

1st Florida Mortgage Lending
is a fictitious name of
New Era Solutions, Inc.
Company NMLS# 1833582
www.nmlsconsumeraccess.org

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Contact Us

Daneza Socarras, NMLS# 312133
10689 N. Kendall Drive, Suite 319
Miami, FL 33176
Phone: (305) 779-8420
Mobile: (305) 710-3709
Dsocarras@1stFML.com

Disclaimers

  • Rate Disclaimer
  • Privacy Policy & Disclosures
    • Legal

Resources

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  • Loan Process
  • Mortgage Basics
  • Mortgage Calculators
  • Online Forms
  • FAQ
    • Site Map
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1st Florida Mortgage Lending continues its efforts to constantly improve the accessibility of its site and services in the belief that it is our collective moral obligation to allow seamless, accessible and unhindered use also for those of us with disabilities.

Despite our efforts to make all pages and content on 1st Florida Mortgage Lending website fully accessible, some content may not have yet been fully adapted to the strictest accessibility standards. This may be a result of not having found or identified the most appropriate technological solution.

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If you wish to report an accessibility issue, have any questions or need assistance, please contact us by sending an email to: Dsocarras@1stFML.com