Business Details
5 Years
experience
Your Trusted Partner for Mortgage Solutions in Lakeland, FL
First Mortgage was established in 2021 as a wholly owned subsidiary of Amerant Bank, N.A., which traces its roots back to 1979 as Commercebank N.A. in North Miami Beach, Florida. Our foundation is built on decades of banking excellence and a commitment to personalized service. We specialize in conforming, fixed-rate, and jumbo loans, tailored to meet diverse homeownership goals. Our team combines local expertise with the stability of a trusted financial institution, ensuring a seamless mortgage experience. We prioritize customer-centric solutions, leveraging advanced technology to simplify the homebuying process. Backed by Amerant Bank's 40-year legacy of integrity, we offer flexible financing options designed for individual needs.Our approach blends personalized guidance with the strength of a community bank, providing stability in a dynamic market. We are dedicated to helping clients achieve their dreams of homeownership through transparent, knowledgeable support. Our Coral Gables, Florida headquarters serves as a hub for nationwide mortgage services, focusing on building long-term client relationships. With a small, dedicated team, we maintain a hands-on approach to every transaction, ensuring attention to detail and timely closings.
Services
Conforming Loans
Fixed-Rate Loans
Jumbo Loans
Mortgage Refinance
First-Time Homebuyers
Details
- Year established: 2021
Highlights and features
- We offer personalized mortgage solutions tailored to individual financial situations
- Our team combines 40 years of banking expertise with modern technology
- We provide flexible financing options for first-time buyers and seasoned homeowners
- Our local knowledge complements nationwide lending capabilities
- We maintain transparent communication throughout the mortgage process
Associations and certifications
- NMLS ID: 50993
What people say
Professional, proactive, excellent communication
Team worked diligently to close on time
Very responsive, informative, and guiding
Flawless from beginning to end
Highly recommend Patrick
Services
Conforming Loans
Conforming loans provide conventional financing up to $766,550 (higher in select areas) for primary residences, second homes, and investment properties. These loans offer competitive rates and standardized requirements, making them ideal for borrowers seeking predictable mortgage terms. Our team helps clients navigate eligibility criteria and documentation requirements to secure optimal financing solutions.
Fixed-Rate Loans
Fixed-rate loans deliver consistent principal and interest payments throughout the loan term, protecting against market fluctuations. Available in 15-, 20-, and 30-year terms, these loans suit borrowers prioritizing long-term budget predictability. Our mortgage specialists work closely with clients to determine appropriate loan amounts and terms that align with their financial goals and homeownership plans.
Jumbo Loans
Jumbo loans finance high-value properties exceeding conventional loan limits, with flexible underwriting guidelines for qualified borrowers. These loans accommodate luxury home purchases and unique property types, requiring specialized documentation and credit profiles. Our experienced team guides clients through complex financing structures while maintaining compliance with regulatory requirements for premium mortgage products.
Mortgage Refinance
Refinancing options help homeowners reduce monthly payments, shorten loan terms, or access home equity through cash-out refinances. Our process evaluates current market conditions and individual financial situations to determine optimal timing for refinancing. We streamline documentation and provide clear explanations of closing costs and potential savings to support informed decision-making.
First-Time Homebuyers
First-time homebuyer programs offer reduced down payment requirements, competitive rates, and educational resources for new purchasers. Our specialists provide step-by-step guidance through the homebuying process, explaining mortgage terminology and budgeting considerations. We connect clients with available assistance programs and help navigate pre-approval requirements to build confidence in their home search.
Questions
What mortgage loan types do you offer?
We provide conforming, fixed-rate, jumbo loans, and refinance options tailored to meet diverse homeownership needs and financial situations.
How does the mortgage process work?
Our process begins with pre-qualification, followed by property selection, formal application, underwriting, and closing, with continuous guidance throughout.
Can I refinance my existing mortgage?
Yes, we offer refinance options to help reduce payments, shorten loan terms, or access home equity based on current market conditions.
What support exists for first-time buyers?
We provide specialized programs with reduced down payments, educational resources, and personalized guidance for first-time homebuyers.
What sets you apart from other lenders?
We combine personalized service with the stability of a trusted bank, offering flexible solutions and transparent communication throughout the process.
How are mortgage rates determined?
Rates depend on market conditions, loan type, credit profile, and down payment amount, with our team helping clients secure competitive pricing.
