1st Florida Mortgage Lending, NMLS 1833582

1st Florida Mortgage Lending, NMLS 1833582 NMLS 1833582 From our Miami-Dade office, we've helped countless Florida residents secure their dream homes and investment properties.

We are a boutique style company that provides low cost, low rate mortgage loans to Florida residents.

1st Florida Mortgage Lending is a fictitious name of New Era Solutions, Inc. Full-service mortgage broker serving all Florida residents, with specialized expertise in DSCR, Non-QM, and Non-Conforming loans.

1st Florida Mortgage Lending was founded by industry veterans with over 20 years of mort

gage experience. While much of our business comes from working with Realtors and their clients in areas like Miami, Kendall, Coral Gables, South Miami, and Pinecrest, we proudly serve borrowers throughout the entire state of Florida. As a boutique mortgage broker, we specialize in finding creative solutions for borrowers who may not fit conventional lending criteria. Whether you need a DSCR loan for your investment property, bank statement programs for your business income, or Foreign National loans, our experienced team will work diligently to find the right mortgage solution. We also offer conventional, FHA, VA, and other traditional loan products. Our commitment to personalized service means we work closely with each client to overcome any roadblocks that may arise during the loan process. This client-first approach, combined with competitive rates and deep market knowledge, has made us a trusted mortgage partner for Florida homebuyers and investors alike.

🚨 Condo financing guidelines are changing — and it’s a mixed bag.Several key updates are already in effect, with additio...
04/23/2026

🚨 Condo financing guidelines are changing — and it’s a mixed bag.

Several key updates are already in effect, with additional changes rolling out through 2026 and 2027.

Here’s what matters right now:
✔️ ACV roof coverage now accepted
✔️ Waiver review expanded (up to 10 units)
✔️ Investor concentration limits removed (established projects)
✔️ Florida PERS review eliminated for new attached condos
✔️ Inflation guard requirement removed

👉 Translation: Some deals just got more flexible — but others will require a sharper strategy.

And this is just the beginning. Additional changes are coming that will impact how condos are underwritten and structured moving forward.

If you’re working a condo deal, these updates can directly affect:
• Offer strength
• Deal structure
• Approval timelines

📄 Full breakdown here: 1stFML.com/condos

If you want to run a deal through the new guidelines or talk strategy, reach out anytime.

NMLS 1833582

03/19/2026

Stop guessing—know what triggers better rates and work toward it.

Know the thresholds that unlock a better rate - Build your mortgage strategy.

Strengthen your numbers now—earn better rates when it counts.

Our ‘1st FML Tips’ series prepares buyers with winning strategies to achieve a stress-free path to their dream home:

✅ Tip #1: Get loan-ready before house hunting (close in 15 days, not 45)
✅ Tip #2: Why our pre-qual letters make sellers choose YOU
✅ Tip #3: Buy before rates drop (avoid bidding wars)
✅ Tip #4: Build a WINNING team
✅ Tip #5: Step up your investing (DSCR LOANS)
✅ Tip #6: Your Holiday Winning Strategy
✅ Tip #7: Your Mortgage Strategy
..Plus more game-changing strategies coming soon.

Here's what makes us different: We do the heavy lifting upfront so your loan is efficient, stress-free, and ready to move fast.

Every morning, a human reviews every file. (Boutique-style service with big-lender pricing.)

Knowledge is leverage, and leverage gets deals. -- Follow for more tips.

NMLS 1833582

01/01/2026

Happy New Year from 1st Florida Mortgage Lending 🎉

As we step into a new year, we’re grateful for the clients, partners, and relationships that made the last one so meaningful.

A new year is a chance to reset, refocus, and move with intention. Whether that means buying your first home, growing your investments, or simply getting prepared for what’s next, we’re here to help you move forward with clarity and confidence.

Here’s to smart decisions, strong opportunities, and another year of helping people move closer to their goals.

Wishing you a happy, healthy, and successful New Year.

NMLS 1833582

11/27/2025

🦃 Happy Thanksgiving from 1st Florida Mortgage Lending.

Today is a reminder to slow down, appreciate the moments that matter, and honor the people who make life brighter: family, friends, and our incredible clients and partners.

Thank you for trusting us, supporting us, and being part of our journey. We hope your day is filled with connection, joy, and gratitude.

From our family to yours, Happy Thanksgiving. 🍂

NMLS 1833582

11/12/2025

Holiday season means opportunity season - don’t miss your shot.

With our Hot Tips, the right timing becomes your winning opportunity.

Don’t wait for next year’s competition — get your deal locked in now.

Our ‘1st FML Tips’ series prepares buyers with winning strategies to achieve a stress-free path to their dream home:
✅ Tip #1: Get loan-ready before house hunting (close in 15 days, not 45)
✅ Tip #2: Why our pre-qual letters make sellers choose YOU
✅ Tip #3: Buy before rates drop (avoid bidding wars)
✅ Tip #4: Build a WINNING team
✅ Tip #5: Step up your investing (DSCR LOANS)
✅ Tip #6: Savvy Buyer = Holiday Edge
..Plus more game-changing strategies coming soon.

Here's what makes us different: We do the heavy lifting upfront so your loan is efficient, stress-free, and ready to move fast.

Every morning, a human reviews every file. (Boutique-style service with big-lender pricing.)

Knowledge is leverage, and leverage gets deals. -- Follow for more tips.

NMLS 1833582

11/10/2025

Ready to step up your real estate investing game?

DSCR loans qualify off property income — no W-2s, no tax returns.

Minimal docs — perfect for rentals, Airbnbs, and multi-units.

Our ‘1st FML Tips’ series prepares buyers with winning strategies to achieve a stress-free path to their dream home:
✅ Tip #1: Get loan-ready before house hunting (close in 15 days, not 45)
✅ Tip #2: Why our pre-qual letters make sellers choose YOU
✅ Tip #3: Buy before rates drop (avoid bidding wars)
✅ Tip #4: Build a WINNING team
✅ Tip #5: Step up your investing (DSCR LOANS)
..Plus more game-changing strategies coming soon.

Here's what makes us different: We do the heavy lifting upfront so your loan is efficient, stress-free, and ready to move fast.

Every morning, a human reviews every file. (Boutique-style service with big-lender pricing.)

Knowledge is leverage, and leverage gets deals. -- Follow for more tips.

NMLS 1833582

10/30/2025

Great homes move fast — and great buyers move with winning teams.

Your agent and loan originator keep you focused, efficient, and realistic.

That’s how smart buyers turn opportunities into closed deals.

Our ‘1st FML Tips’ series prepares buyers with winning strategies to achieve a stress-free path to their dream home:
✅ Tip #1: Get loan-ready before house hunting (close in 15 days, not 45)
✅ Tip #2: Why our pre-qual letters make sellers choose YOU
✅ Tip #3: Buy before rates drop (avoid bidding wars)
✅ Tip #4: Build a WINNING team
..Plus more game-changing strategies coming soon.

Here's what makes us different: We do the heavy lifting upfront so your loan is efficient, stress-free, and ready to move fast.

Every morning, a human reviews every file. (Boutique-style service with big-lender pricing.)

Knowledge is leverage, and leverage gets deals. -- Follow for more tips.

NMLS 1833582

10/30/2025

Everyone’s waiting for rates to fall — but that’s when the crowd returns and prices climb.

Acting now means less competition and more choices.

Buy smart NOW, WIN Twice if rates drop later.

Our ‘1st FML Tips’ series prepares buyers with winning strategies to achieve a stress-free path to their dream home:
✅ Tip #1: Get loan-ready before house hunting (close in 15 days, not 45)
✅ Tip #2: Why our pre-qual letters make sellers choose YOU
✅ Tip #3: Buy smart NOW — you win twice if rates drop.
✅ Tip #4: Build a WINNING team
..Plus more game-changing strategies coming soon.

Here's what makes us different: We do the heavy lifting upfront so your loan is efficient, stress-free, and ready to move fast.

Every morning, a human reviews every file. (Boutique-style service with big-lender pricing.)

Knowledge is leverage, and leverage gets deals. -- Follow for more tips.

NMLS 1833582

10/30/2025

Most buyers shop with basic pre-approval letters.

Smart buyers get their loan FULLY PROCESSED first.

That's the difference between losing to cash offers and competing with them.

Our '1st FML Tips' series reveals exactly how South Florida's smartest buyers are winning in this market:
✅ Tip #1: Get loan-ready before house hunting (close in 15 days, not 45)
✅ Tip #2: Why our pre-qual letters make sellers choose YOU
✅ Tip #3: Buy before rates drop (avoid bidding wars)
✅ Tip #4: Build a WINNING team
..Plus more game-changing strategies coming soon.

Here's what makes us different: We do the heavy lifting upfront so your loan is efficient, stress-free, and ready to move fast.

Every morning, a human reviews every file. We're boutique service with big-lender pricing.

Knowledge is leverage, and leverage gets deals. -- Follow for more tips.

NMLS 1833582

10/28/2025

Pre-approval means “we’re working on it,” but loan-ready means “waiting on the home.”

At 1st FML, we work like you’re already under contract — income verified, deposits sourced, conditions ready.

That’s how you make 15-day closing offers that say “done deal,” not “fingers crossed.”

Our ‘1st FML Tips’ series prepares buyers with winning strategies to achieve a stress-free path to their dream home:
✅ Tip #1: Get loan-ready before house hunting (close in 15 days, not 45)
✅ Tip #2: Why our pre-qual letters make sellers choose YOU
✅ Tip #3: Buy before rates drop (avoid bidding wars)
✅ Tip #4: Build a WINNING team
..Plus more game-changing strategies coming soon.

Here's what makes us different: We do the heavy lifting upfront so your loan is efficient, stress-free, and ready to move fast.

Every morning, a human reviews every file. (Boutique-style service with big-lender pricing.)

Knowledge is leverage, and leverage gets deals. -- Follow for more tips.

NMLS 1833582

Address

10689 N. Kendall Drive, Suite 319
Miami, FL
33176

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Website

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