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"As the buyer's agent, I had the pleasure of working with Jose while he handled the financing for my clients. His communication was outstanding from start to finish, and he consistently kept both my clients and me informed throughout the process. Jose's professionalism, responsiveness, and dedication helped create a stress-free experience for my clients. I would highly recommend him to anyone looking for a lender who genuinely cares about their clients and gets the job done."

"Working with Carlos Matos is always a pleasure. He guided me through the entire process with patience, professionalism, and genuine care. Carlos took the time to thoroughly explain all my options, answered every question, and secured me an incredible rate that saved me thousands. If you're in Central Florida and need a mortgage or refinance, look no further than 1st Florida Lending. Hands down the best experience I've ever had with a lender!"

"Carlos was incredible to work with. This was one of the most difficult deals I've had as a new home sale agent, and after multiple lenders were unable to get the buyer qualified, Carlos stepped in and made it happen. His communication, persistence, and problem-solving were outstanding throughout the entire process. I highly recommend him to anyone looking for a lender who truly knows how to get deals done."

"I can't say enough good things about my experience with 1st Florida Lending! From start to finish, the process was smooth, professional, and stress-free. A huge thank you to Carlos Matos and Jose for going above and beyond. Thanks to their help, I was able to close on my mortgage with confidence and peace of mind. If you're looking for a team that truly cares and delivers outstanding service, I highly recommend 1st Florida Lending!"

"I just closed on my third home and my go-to people are Carlos, Jose and Mari at 1st Florida Lending. I've continued to use their services again and again. I cannot express the excellence in their work and making sure you have the best chance at getting the right loan. Very honest and they will do everything in their power to do what's in your best interest. I highly recommend their services."

"Huge shoutout to Jose, the lender I worked with on my latest closing! Communication is everything in a real estate transaction, and Jose was phenomenal from start to finish. He stayed on top of every step of the process, kept everyone informed, and made sure our buyer got to the closing table smoothly. I definitely recommend Jose to anyone looking to purchase a home!"

"We cannot say enough good things about our experience with 1st Florida Lending and Jose Peñaherrera. His knowledge of mortgage lending was impressive, and he always took the time to explain our options. What stood out most was his dedication, responsiveness, and professionalism. Thanks to his hard work and expertise, we successfully closed on our dream home without any issues. Five stars all the way!"

"Being self employed doesn't make it easy to secure a mortgage. Carlos made it happen. He was very professional and personable. I would highly recommend. Thank you Carlos!"

"Carlos and his team were fantastic to work with. Great communication, and the whole time I felt assured that they would get the job done. Just closed a deal with them and I will definitely be working with them again. I highly recommend them!"

"I highly recommend 1st Florida Lending. From the very first moment, they helped me get approved and closed in less than two weeks. Mari provided excellent service, always attentive to every detail and keeping me updated on my loan application every day. Carlos also provided excellent service, explaining the steps involved and always offering the best options. I will definitely contact them again in the future."