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Our company missions statement is Low Rates, Up-front Lending and Top Notch Customer Service. Apply online or call today and we look forward to earning your business. The very first time I spoke with Patty on the phone, I knew I would work with her to find my mortgage.

Call today for a free good faith estimate and let us help you with your next home mortgage in Pensacola, FL. Whether purchasing a new home or in need of refinancing, we’ve got you covered. As a direct lender in Florida we offer in-house underwriting and processing to close loans fast.
Is the air quality good near 1621 GULF BEACH HIGHWAY?
Let us help finance your next home with local customer service, low interest rates, a quick decision and a quality of service after the deal that few others can match. We pride ourselves on providing superior customer service and creating satisfied customers. We work hard to satisfy the mortgage needs and exceed the expectations of our customers. Our Pensacola customers save money and close their loans quickly because we employ the most advanced mortgage technology available.

Claims made in this listing are deemed correct by seller, but buyer understands it is their responsibility to confirm all info. We offer the assistance you need to help in all of your mortgage endeavors. Whether you are consolidating your debt, refinancing your home, or buying your first house, we have the expertise to make it a fast, easy, and enjoyable process. Smart Mortgage Centers holds the highest 5 star ratings with Google, Yelp, Bing and Facebook.
Navy Federal Credit Union
He made himself available anytime…..even when he was on vacation! The online submission of documents was very easy. Overall we think Smart Mortgage is an excellent company willing to work with people with blemished credit and give them the opportunity to live their dream of home ownership.
Ryan is very knowledgeable and had no problem answering questions and sharing very important details which made us feel good about picking Smart Mortgage. As a full-service mortgage bank, 1st Florida Mortgage controls all elements of your mortgage transaction, from application to approval to in house underwriting and service of your loan. Our streamlined, hands on approach to mortgage banking allows us to make decisions that make sense. 1st Florida Mortgage of Pensacola consistently has rates that are either better or equal to top national mortgage companies. YP - The Real Yellow PagesSM - helps you find the right local businesses to meet your specific needs. Search results are sorted by a combination of factors to give you a set of choices in response to your search criteria.
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The Pensacola home mortgage team is celebrating its 25th year in business. Our experience allows for consumer mortgage confidence especially with first time home buyers. 1st Florida Mortgage is a direct lender and as such, we have in-house underwriters that can make fast decisions and close loans quickly. Whether a first time home buyer needing a FHA loan or a US service member needing a VA loan we can tailor the perfect loan just for you. We are also one of the top Jumbo mortgage lenders in Florida and can provide Jumbo lending for loans above conforming limits.
Patty has a calm and confident approach to her work that illustrates her knowledge of the industry, The counsel she provided helped position me in a favorable position to buy my dream home. I would definitely recommend Patty to family and friends, and look to work with her again in the future. My wife and I had the pleasure of being assigned to Ryan Sr. He was polite, patient, professional and most importantly prepared throughout whole process. Ryan crunched numbers with impressive accuracy, explained documents line by line when we had questions and let us know what to expect so there wouldn’t be any surprises.
Mortgage Tips
Pensacola is the principal city of the Pensacola metropolitan area, which had an estimated 461,227 residents in 2012.

We specialize in more than just USDA rural mortgage loans. Check out consumer home buyer GRANT options, FHA loans and our Bad credit home loan options. We applied with other lenders but had been turned down, but Smart mortgage worked with us so we can have our dream home! Our lender Jon, walked us through the process and was very helpful in answering questions promptly. Jon always kept in daily communication with us, so there were no surprises!
It is the perfect time to make your dream home a reality. Jon walked me thru a difficult refi of 2 properties simultaneously. Brokerage services provided by TPH ZeroDown Brokerage, Inc. in CA, TPH ZeroDown Brokerage TX LLC in TX, and TPH ZeroDown Brokerage LLC in all other states.
Nestled on an oversized lot in Pensacola FL, you are just minutes away from U.S. HWY 98 and a short drive to the world renowned 30A. Schools, gyms, grocery stores; everything is just a short drive away. An abundance of natural light makes this property feel open and vibrant and the large driveway provides ample room for multiple vehicles. Seller has never occupied home therefore there are no disclosures available.
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