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Reverse Mortgage

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Many Loan Options

Affordable Refinancing

Save Money

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We are the #1 choice in South Florida for Reverse Mortgages!

When Should I Refinance?

It’s generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you’re saving $70 per month. Your savings depends on your income, budget, loan amount, and interest rate changes. Your trusted lender can help you calculate your options.

About Our Company

1^st Florida Mortgage Lending came about through the culmination of nearly twenty years of serving Floridians with honesty, integrity and competence. A “Boutique Style” business focusing mainly on our clientele’s experience as we work diligently to provide the best rates and products. Furthermore, we pledge to assist borrowers overcome any roadblocks that may arise while securing their loan. Our goal is 100% satisfaction from all our clients.

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Customer Satisfaction

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Happy Customers

Listen To What Our Past Customers Have To Say!

Daneza and the team are the best. Buying a house is a process and sometimes longer than what you think it may take, but it is worth it. I really enjoy working with them, I recommend it with my eyes closed. Give them a call and you will see that's the best call you ever made. With them dreams come true. PS. Homeowner.

– Ariamna Serrano

Dane looks out for her client's best interest. Refinanced in the midst of Covid (during holidays) and closed in a month. She got me the best rate and always responded promptly.

– Madeline Bentivogli

Daneza and her team are extremely knowledgeable. They answered all of my questions and made me feel very comfortable every step of the way. Very grateful for them, they made the entire process seamless.

– Linda Castillo

Frank, Daneza, Silvia and Eli at 1st Florida are an excellent team to work with. They were very diligent in finding me the best possible rate for my mortgage loan. Also, very prompt, professional and accomodating to all my refinancing requests. The closing went smooth and very quickly. Thanks team, you're the best!

– Silvia Fernandez

Daneza Socarras did a wonderful job from the first minute to the last. We highly recommend her and 1st Florida Mortgage Lending to anyone looking to refinance or get a home loan. Thank you 1st FML!!!!

– Guillermo Pascual

We are so thankful for Daneza. She was extremely helpful, responsive and patient throughout the entire process. She made everything easy for us. Was very attentive. We recommend her to everyone!

– Darryl Rosenbaum

Working with Daneza and her team at 1st Florida Mortgage Lending is always a pleasure. Daneza is very informative and wealth of experience and knowledge. Any client I have no matter the purchase price gets the best service possible. I feel 100% confident when I send her and her team my clients who need guidance in obtaining a loan.

– Samuel Juarez

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Why Choose Us?

Especially for first-time homebuyers who will have many questions about the total financing process and available loan options. Finding a lender with outstanding service skills that you trust will comfortably guide you every step of the way, so ask questions, even before you fill-out an application.

Getting Paid To Live Your Dreams

If you are at least 62 years of age and own your home, you may be eligible to access cash using a unique government-insured program called a Reverse Mortgage, which uses the equity in your home as a source for new income. With a Reverse Mortgage you can get the money you need to enjoy the retirement lifestyle you want, get out of debt, take a vacation or make home improvements.

· Tax Free
· No Income documentation needed
· No credit score needed
· No payments for as long as you are in the home
· Get your money in days
· Florida Housing Administration (FHA) insured
· You keep the title to your home