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
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.
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.
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.
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.
Services
Whether purchasing a new home or refinancing your existing home we’ve done it all!

Conventional

FHA, with a Credit Score as Low as 500

FHA Zero Down

VA (credit score as low as 400)

VA IRRL

USDA

Downpayment Assistance/DPA Loans

Jumbo Loans

Bank Statement Loans

DSCR/Investment Loans

New Construction Loans

Home Renovation Loans

Bridge Loans

Condo Loans

Home Equity Lines of Credit (HELOC)

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.
FAQs
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.
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.
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.
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
Contact
Joel Morris
Mortgage Loan Originator NMLS: #1090842
First Florida Mortgage NMLS # 392021
(904) 826-5009