The Florida Mortgage Group

Florida's Boutique Mortgage Team

Financing Florida's
Real Estate.

At The Florida Mortgage Group, we understand that every customer's journey is unique. We offer a diverse range of residential and commercial financing solutions tailored to your needs.

Get Pre-QualifiedApply Now(904) 599-1107
Equal Housing Lender
Serving All of Florida
20+ Loan Programs

Loan Products

Residential & Commercial Loans in Florida

From first-time homebuyers to seasoned investors, we have the right loan program for your unique situation.

FHA Loans

Low down payment options for first-time buyers. As little as 3.5% down with flexible credit requirements.

3.5% down min.Hover for details ?

FHA Loans

Low down payment options for first-time buyers. As little as 3.5% down with flexible credit requirements.

3.5% down min.
Learn More

VA Loans

Zero down payment for veterans and active-duty military. No PMI, competitive rates, and lifetime benefit.

$0 down paymentHover for details ?

VA Loans

Zero down payment for veterans and active-duty military. No PMI, competitive rates, and lifetime benefit.

$0 down payment
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Conventional

Traditional financing for qualified buyers. Flexible terms and the ability to remove PMI once equity is built.

From 3% downHover for details ?

Conventional

Traditional financing for qualified buyers. Flexible terms and the ability to remove PMI once equity is built.

From 3% down
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USDA Loans

Zero-down financing for eligible rural and suburban properties. Government-backed with competitive rates.

$0 down in eligible areasHover for details ?

USDA Loans

Zero-down financing for eligible rural and suburban properties. Government-backed with competitive rates.

$0 down in eligible areas
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Jumbo Loans

Financing for high-value Florida properties exceeding conventional loan limits. Tailored for premium acquisitions.

From $766,551+Hover for details ?

Jumbo Loans

Financing for high-value Florida properties exceeding conventional loan limits. Tailored for premium acquisitions.

From $766,551+
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Commercial Loans

Investment properties, multi-family, mixed-use, and commercial real estate financing throughout Florida.

All property typesHover for details ?

Commercial Loans

Investment properties, multi-family, mixed-use, and commercial real estate financing throughout Florida.

All property types
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DSCR / Investor

Qualify based on rental income, not personal income. Perfect for portfolio investors and real estate entrepreneurs.

No tax returnsHover for details ?

DSCR / Investor

Qualify based on rental income, not personal income. Perfect for portfolio investors and real estate entrepreneurs.

No tax returns
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Bank Statement

Self-employed? Use 12�24 months of bank statements instead of tax returns to verify income.

Self-employed friendlyHover for details ?

Bank Statement

Self-employed? Use 12�24 months of bank statements instead of tax returns to verify income.

Self-employed friendly
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Down Payment Assist

First-time homebuyer programs including 100% financing options. Let us help you get into a home sooner.

Up to 100% financingHover for details ?

Down Payment Assist

First-time homebuyer programs including 100% financing options. Let us help you get into a home sooner.

Up to 100% financing
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Years of Experience

Bridge of Lions, St. Augustine, Florida

Rooted in

St. Augustine, Florida

Serving all 67 Florida counties

Mortgage Calculator

Tools to help you along the way

Get a quick estimate of your monthly payment. For a precise quote tailored to your situation, contact us � rates and programs vary based on your specific profile.

Full Mortgage Calculators

Quick Payment Estimate

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%
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Estimated Monthly Payment

$1,557

Principal & Interest only � Estimate only

Results are hypothetical. Consult a mortgage professional for an accurate quote.

About Us

We're in the people business.

�We aren�t in the financing business, we are in the people business.� � Founded 2021 in St. Augustine, FL.

Our Founder

Our Founder

CEO & Owner

Over 25 years in Fortune-level business development. MBA from University of Florida's Warrington College of Business. Founded The Florida Mortgage Group in 2021.

NMLS #2120560

The Florida Mortgage Group team member

Allison DuBrow

Director of Community Outreach & Co-Owner

University of Florida graduate with a degree in Occupational Therapy. Co-founded The Florida Mortgage Group, focusing on relationships and community partnerships.

NMLS #2392474

Read Our Full Story

Stay Informed

View Our Recent Blogs

Your Equity Is Doing Nothing � Here's How Smart Homeowners Use It

Home Equity

Your Equity Is Doing Nothing � Here's How Smart Homeowners Use It

If you've owned your home for a few years, chances are you're sitting on more equity than you realize. Here's how to put it to work.

Read More ?
Smart Buyers Can Benefit When Rates Rise

Market Insights

Smart Buyers Can Benefit When Rates Rise

Conventional wisdom says higher rates are bad for buyers. But there are real opportunities that emerge in rising rate environments that savvy buyers can capitalize on.

Read More ?
Where an ARM (Adjustable-Rate Mortgage) May Be a Smarter Move

Loan Products

Where an ARM (Adjustable-Rate Mortgage) May Be a Smarter Move

Adjustable-rate mortgages have gotten a bad reputation, but for the right borrower in the right situation, an ARM can save significant money.

Read More ?

Have Questions?

We're here to help.

Whether you're a first-time buyer or a seasoned investor, our team is ready to find the right loan for your situation.

Get Pre-QualifiedApply Now(904) 599-1107