Kiss
Rental
Payments
Goodbye!

Local
expertise,
national
reach.

Competitive
rates,
stress-free
process.

Mortgage
lending
made
easy.

Buckle up,
it’s gonna
be
awesome!

Joel Morris

Mortgage Loan Originator NMLS: #1090842
First Florida Mortgage NMLS # 392021
(904) 826-5009

MORE THAN
MORTGAGES

I’m a Florida native and lifelong resident. Born in Gainesville and raised in Jacksonville, I’m a graduate of the University of Florida and a former Eagle Scout with stops in Orlando, Tallahassee, St Augustine and Ocala. I’ve camped, hiked, paddled, fossil hunted, sailed and scalloped all over our state. My wife and I have raised both of our children here. I know Florida well. And I know mortgages well. I’ve been getting all types of mortgages done for over a decade whether it’s a simple purchase, a refinance or a complicated deal that needs an alternative method of underwriting. I believe in thorough effort, clear communication and transparency. I successfully get deals done and I treat each borrower as if they were my aunt or cousin. If a deal can possibly be closed I’ll work to make sure that it does. Call me today to discuss how I can help you.

WHY THE
MORRIS TEAM?

  • Available to answer your question on evenings, weekends and even holidays.
  • Flexibility, creativity and drive to close your loan even if it’s a difficult scenario.
  • Access to more loan programs than a typical bank.
  • Highly competitive rates to match or beat many banks.
  • No hidden fees.

our process

1.

Initial
Conversation

Let’s talk. What is your dream scenario? Let’s find the right scenario for you and your family. Credit concerns? Questions? Call Joel any time to discuss.

Don’t have time to call? Simply complete the online application and let’s get you started.

2.

Application and
gathering documents

Joel will help you get pre-approved and walk you through the application process, making sure you have all the required documents for underwriting.

3.

Underwriting and
appraisal

Relax. We’ve got this part of it. This is where we put our experience and knowledge to work. We’ll do everything we can to get your loan to the closing table.

4.

Closing

We’ve helped hundreds of borrowers through this process. Whether you’re a first-time homebuyer or a seasoned investor we’ll make sure you understand the terms of your loan before closing and you’re comfortable that you’re getting the best product for your family.

Finding what's within your budget

Why Get
Prequalified?

Before putting in an offer on a home purchase you should always strongly consider getting prequalified for your mortgage.

That way you would know the details of your home financing before you even pick out your home. You not only know exactly how much house you can afford, you also know the terms of your loan and won’t waste time shopping for homes you can’t afford.

Getting prequalified also gives confidence to the sellers and their agents that you are likely to see the transaction through to the end. By having a mortgage professional thoroughly evaluate your scenario it indicates to all parties that there should be few problems finalizing a mortgage. It tells sellers a bank has verified and evaluated your information. Agents and sellers will see that you’re serious about buying a home which will strongly boost your chances of getting an offer accepted especially in a high-demand environment. Some sellers may even accept offers under asking price when submitted with prequalification.

Get Prequalified

FAQs

How do I know how much house I can afford?

Generally speaking, you can purchase a home with a value of two or three times your annual household income. However, the amount that you can borrow will also depend upon your employment history, credit history, current savings and debts, and the amount of down payment you are willing to make. You may also be able to take advantage of special loan programs for first-time buyers to purchase a home with a higher value. Give us a call, and we can help you determine exactly how much you can afford.

How do I know which type of mortgage is best for me?

There is no simple formula to determine the type of mortgage that is best for you. This choice depends on a number of factors, including your current financial picture and how long you intend to keep your house. First Florida Financial can help you evaluate your choices and help you make the most appropriate decision.

What does my mortgage payment include?

For most homeowners, the monthly mortgage payments include three separate parts:

Principal: Repayment on the amount borrowed
Interest: Payment to the lender for the amount borrowed
Taxes & Insurance: Monthly payments are normally made into a special escrow account for items like hazard insurance and property taxes. This feature is sometimes optional, in which case the fees will be paid by you directly to the County Tax Assessor and property insurance company.

How much cash will I need to purchase a home?

The amount of cash that is necessary depends on a number of items. Generally speaking, though, you will need to supply:

Earnest Money: The deposit that is supplied when you make an offer on the house
Down Payment: A percentage of the cost of the home that is due at settlement
Closing Costs: Costs associated with processing paperwork to purchase or refinance a house

from our customers

“Autumn and Joel have consistently gone above and beyond for our family. We have used them many times now for mortgages and each time they have treated us like you would expect a family member to treat you. Our circumstances for obtaining a mortgage aren’t the easiest and they have taken the initiative to do what needed to be done. I highly recommend using them for your mortgage needs as they will go above and beyond to make things happen.”

Jay Graham

“Joel and Autumn Morris are an impeccable team of mortgage professionals, and we can't thank them enough for their diligent hard work in securing our first home. As self-employed and unconventional newbies, we faced a steep learning curve in understanding the jargon and process involved in buying a house. Joel patiently explained every detail and concept along the way, always inviting questions and providing context so that we were able to confidently make this biggest of decisions. He was more than just available and responsive despite our being 3 hours behind in LA; he was proactive in efficiently communicating near daily, when the process warranted it.”

Alice Boher

“Joel and Autumn were the best part of our home buying experience! We were first time home buyers and they walked us through the entire process and explained every single thing to us. They made sure we understood every document we were sent and answered any questions we had. They never made us feel stupid no matter how silly our questions seemed. They went above and beyond for us and I honestly can’t recommend them enough. The home buying experience is stressful enough as it is but especially for people that have never done it before, but Joel and Autumn handled everything for us and we always knew that they had our best interests in mind. We are forever grateful for them.”

Alyssa Sedghikhoi-Milani

“Thank you, Joel and team, for delivering the most exceptional service throughout a typically very stressful process. From the very moment we met you were thoughtful and deliberate in driving the closing of our home loan. You took the greatest care in navigating through the process, always advocating on my behalf and ensuring we were getting the most optimal deal and terms. You were always a step ahead! Unbelievably, we closed 9 days early on an already accelerated timeline! You absolutely exceeded my expectations and look forward to working together on the next deal!”

Rahim Abdullah

“Joel and Autumn have been our go-to for mortgages over many years. We have done many transactions with them and a lot of them haven’t been easy. We have never had agents that work as hard as these two do making sure that the mortgage gets closed. I highly recommend using them.”

Client

Contact

Joel Morris

Mortgage Loan Originator NMLS: #1090842
First Florida Mortgage NMLS # 392021
(904) 826-5009