I know I need a mortgage Broker

Contact Me Now

I'm not ready yet?
I want to read some more
about mortgages in Florida

Florida Mortgage BrokerSolutions First Mortgage - Your Sarasota Florida Mortgage Specialists

Florida mortgage brokers are your best source for the lowest-rate financing on the market in Florida, whether you are looking to refinance a home, buy a second home or buy your first home. We can even get you a great deal on a Florida reverse mortgage or reverse mortgage purchase if you are a senior and 62 or older. As Mortgage Brokers we can access mortgages at wholesale rates and can pass these savings on to you.

If you looking to buy a home or refinance a property in Osprey, Venice, Sarasota, Englewood, Nokomis, North Port or Fort Myers, Cape Coral, Bonita Springs and Naples areas of Florida then we can assist you in getting a great mortgage deal; we have numerous years of experience in these Sarasota, Manatee and Lee County areas.

Talk to us at Solutions First Mortgage Inc. before doing anything to your credit if you want to apply for a mortgage loan. Our credit experts will review your reports and find the right balance between our different lenders' loan programs. It is our goal to get you on the correct path for your mortgage loan as there can be parameters as to which loan programs you can qualify for due to various factors.

Choose Your Mortgage

Choose type of loan

Choose loan amount

Your credit profile

Florida Mortgage BrokerOur service has been designed to remove the stress and misunderstandings commonly associated with buying a property.

For further information about getting the right mortgage for you and to arrange your 'NO-FEE ASSESSMENT'
CALL US on 941-223-9416

Do you work part-time?

Many companies have changed employee's statuses from full time to part time as an impact of the Obama care legislation. Understanding how the change from full-time status to short-time status at work has a direct effect on your eligibility for getting a mortgage is something you should look at before you start looking for a new home.

In order for a part-time worker to obtain financing for a home mortgage loan you need to have a '2 year history of part time income' showing on your tax returns, in order to count that income for your mortgage loan.

Many part-time workers are working nearly the same hours as full time contracted personnel and have around the same income but their employers have changed the employment status to 'part time as needed' even though they are often working over 40 hours per week.

Because this status changes your income of 'full time' to 'part time uncertain' you will be denied your mortgage loan under the 'ability to repay rule'.

By alerting us to this scenario at an early stage we can explain which are the best options open to you and save you hours of wasted time.

For more information about things to look our for click here.

Refinance your mortgage and save thousands

If you already own your own home and still have a mortgage in place, now is probably the best opportunity you will ever get to 'Refinance your home in Florida'. Interest rates are beginning to rise from record lows and forecast expect them to increase further now that the property markets has bottomed out in most regions.

Refinancing your home at these low interest rates can represent extra cash flow for you and your family on a monthly basis. Read more about refinancing your mortgage.

First Time Buyers

Did you know that in Florida, 'first time buyers' are able to receive financial assistance in the form of loans and grants which will enable them to purchase their homes without having to find hefty down-payments.

Of course like most everything else today this too is subject to conditions and criteria, but these first time buyer programs hold great hope for first time buyers thanks to substantial financial incentives. Read more about getting a mortgage as a first time buyer in Florida.

Reverse Mortgages

Reverse mortgages are an excellent solution to financial concerns for many seniors across Florida. However they are not for everyone and applicants should be confident that they understand the negatives as well as the positives prior to signing up for a reverse mortgage

Read about Reverse mortgages and find out whether it is a suitable option for you. If you are not yet a home owner or are maybe moving to Florida as a retiree you should also check out 'Reverse mortgage purchase' options.

Our Education Center

The How to

The process
Qualifying for a mortgage
Zero down – VA, USDA & seller concessions
Contractual Finance Clauses -
Loan and Mortgage types
Settlement cost – What is the HUD1?
Good faith estimate – the maximum cost to obtain the loan
The Til – Truth in Lending
RESPA – Real Estate Settlement Protection Act
Mortgage Insurance - PMI
Disclosures – Understanding Disclosures
Servicing – Banks
Economy/ Markets – the impact on rates
Fannie & Freddie – why they important to you
Credit Score – How credit score affect your interest rate
Other FAQ’s

My Mortgage Blog

Read our blog about everything involved in finding, buying and living in your new home from a mortgage brokers perspective.

Read my opinions about legislation, what it means, how I understand it and how it could be improved.

We have online newsletters and classes explaining in layman’s terms how mortgages work and how to choose the best one for you

My Mortgage Blog

Latest Releases and Reports

New legislation halts lump sum payments on reverse mortgages.


New construction is not enough to keep up with demand.


Florida Real Estate has hit the bottom and prices are increasing.