1st Florida Mortgage Lending, NMLS 1833582

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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 mortgage 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.

Buying a rental? Your personal income isn’t the only way to qualify. 🏡A DSCR loan may let you qualify based on the prope...
09/14/2026

Buying a rental? Your personal income isn’t the only way to qualify. 🏡

A DSCR loan may let you qualify based on the property’s rental income instead of your personal income.

Whether you’re buying, refinancing, or exploring cash-out options, eligibility and terms depend on the property and your loan scenario.

Have a property in mind? Email Daneza the address, estimated rental income, purchase price or current value, and your financing goal. We’ll help you understand which options may fit.

Daneza Socarras | NMLS #312133
1st Florida Mortgage Lending | NMLS #1833582
[email protected] | 305-710-3709
www.1stFML.com

This is not an offer to extend credit or a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and program availability. Terms and programs are subject to change without notice. Not all applicants or properties will qualify.

Equal Housing Opportunity.

Twenty-five years later, we remember the lives lost on September 11, 2001, and the families who carry their memory every...
09/11/2026

Twenty-five years later, we remember the lives lost on September 11, 2001, and the families who carry their memory every day.

We honor the courage of the first responders, the strength of survivors, and all who helped in the days and years that followed. Our thoughts are also with those who continue to live with the lasting effects of that day.

Today, we pause in remembrance. We will never forget.

1st Florida Mortgage Lending | NMLS #1833582
Equal Housing Opportunity.

Reviews like this mean everything to us.Buying a home comes with a lot of moving parts, questions, documents, and deadli...
07/15/2026

Reviews like this mean everything to us.

Buying a home comes with a lot of moving parts, questions, documents, and deadlines. Axel and his wife trusted Daneza to guide them through it all — and we’re incredibly grateful they took the time to share what that experience meant to their family.

“W𝙚 𝙣𝙚𝙫𝙚𝙧 𝙛𝙚𝙡𝙩 𝙡𝙞𝙠𝙚 𝙟𝙪𝙨𝙩 𝙖𝙣𝙤𝙩𝙝𝙚𝙧 𝙡𝙤𝙖𝙣 𝙤𝙧 𝙩𝙧𝙖𝙣𝙨𝙖𝙘𝙩𝙞𝙤𝙣. 𝙎𝙝𝙚 𝙜𝙚𝙣𝙪𝙞𝙣𝙚𝙡𝙮 𝙜𝙪𝙞𝙙𝙚𝙙 𝙪𝙨 𝙩𝙝𝙧𝙤𝙪𝙜𝙝 𝙩𝙝𝙚 𝙥𝙧𝙤𝙘𝙚𝙨𝙨 𝙖𝙣𝙙 𝙬𝙖𝙨 𝙟𝙪𝙨𝙩 𝙖𝙨 𝙚𝙭𝙘𝙞𝙩𝙚𝙙 𝙖𝙨 𝙬𝙚 𝙬𝙚𝙧𝙚 𝙩𝙤 𝙜𝙚𝙩 𝙪𝙨 𝙩𝙤 𝙩𝙝𝙚 𝙘𝙡𝙤𝙨𝙞𝙣𝙜 𝙩𝙖𝙗𝙡𝙚.”

That is exactly how the mortgage process should feel: clear, personal, and supported from the first conversation through closing day.

Congratulations again to Axel and his family on their new home — and thank you for trusting Daneza and the 1st Florida Mortgage Lending team to be part of such an important milestone.

Daneza Socarras | NMLS #312133
1st Florida Mortgage Lending | NMLS #1833582

🇺🇸 It’s officially here!Florida’s Hometown Heroes Program is now active.If you’re a teacher, healthcare professional, fi...
07/13/2026

🇺🇸 It’s officially here!

Florida’s Hometown Heroes Program is now active.

If you’re a teacher, healthcare professional, first responder, military member, veteran, or another eligible Florida hometown hero, you may qualify for down payment and closing cost assistance.

If you’ve been waiting for the program to reopen, now is the time to reach out and find out what your next step should be.

📲 Connect with us here:
1stFML.com/links

Program details, eligibility, and funding remain subject to Florida Housing guidelines.

1st Florida Mortgage Lending | NMLS #1833582

Happy Independence Day 🇺🇸Today, we pause to celebrate 250 years of independence, resilience, and the freedom to keep bui...
07/03/2026

Happy Independence Day 🇺🇸

Today, we pause to celebrate 250 years of independence, resilience, and the freedom to keep building lives, communities, and futures we’re proud of.

From all of us at 1st Florida Mortgage Lending, we wish you and your family a safe, meaningful, and beautiful Fourth of July.

1st Florida Mortgage Lending | NMLS #1833582

🚨 Hometown Heroes 2026 is coming back July 13.Florida’s Hometown Heroes Program will include $50 MILLION in funding to h...
07/02/2026

🚨 Hometown Heroes 2026 is coming back July 13.

Florida’s Hometown Heroes Program will include $50 MILLION in funding to help eligible hometown heroes with down payment and closing costs.

That may include:
✅ Teachers & educators
✅ Healthcare professionals
✅ Law enforcement & firefighters
✅ Military, veterans & public service professionals
✅ Other eligible Florida hometown heroes

The assistance can be up to 5% of the loan amount, with a maximum of $35,000.

If this program may be a fit for you, reach out to review eligibility, timing, and next steps.

No guesswork. No rumors. Just accurate guidance from licensed mortgage professionals.

Start here: 1stFML.com/links

Program details, eligibility, funding, assistance amount, terms, and availability remain subject to official Florida Housing publication and lender/agency guidelines. Not all applicants may qualify.

NMLS 1833582

🚨 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

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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