Based in Flagler Beach • Serving Flagler, Volusia and St. Johns counties • Licensed in Florida, Georgia and Tennessee

Florida and Georgia mortgage help from a Flagler Beach team that answers the phone.

VA, USDA, conventional and refinance loans for buyers and homeowners across Florida and Georgia, plus Tennessee, from a Flagler Beach team that walks you through every option. We also arrange FHA loans through partner lenders.

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★★★★★ 5.0 on Google | Company NMLS #1835856

Talk to a local loan officer

No pressure. No robots. Just straight answers about your options.

(386) 882-9980

212 Moody Blvd, Flagler Beach, FL 32136

25Years Combined Experience

14Day Average Close

3States Licensed

What can we help you with?

Pick where you are, and we'll take you straight to the right page.

Buy a homeGet pre-approved and know what you can afford. VA home loansFor veterans, active duty and eligible surviving spouses. RefinanceLower your payment, shorten your term or take cash out. Home equity line (HELOC) Fast HELOCTap your equity and keep your first mortgage. First-time buyersThe steps from saving to closing, in plain English. Low down payment optionsCompare VA, USDA, FHA and conventional, plus down payment help.

Fast HELOC

Where we lend

Home loans in three states

Florida and Georgia are our home markets. We’re also licensed in Tennessee.

FLFloridaFrom the Panhandle to the Keys. Our Flagler Beach office works with buyers and homeowners anywhere in Florida.Florida home loans → GAGeorgiaPurchase, refinance, VA and home equity loans for buyers and homeowners across Georgia.Georgia home loans →

TennesseeMortgage License

Buying near our office? See Palm Coast home loans. Company NMLS #1835856. See all licenses and disclosures.

Local guides: Volusia County home buying guide · St. Johns County home buying guide

Down payment help

Help with your down payment and closing costs

You may need less cash to buy than you think. We check your situation against the assistance programs and low down payment loans you may qualify for, and we tell you plainly when funds have run out.

Florida program

Florida Hometown Heroes

Down payment and closing cost help for eligible first-time buyers who work in Florida, including veterans, active military, teachers, health care workers and first responders.

Check if your job qualifies → Loan options

Low down payment loans

Conventional, FHA, VA and USDA options for buyers who don’t have a large savings account. We compare them side by side with you.

Compare your options → Guide

First-time buyer guide

What to save for, how pre-approval works and which programs to ask about before you start touring homes.

Start the guide →

Assistance programs have limited funds, income limits and eligibility rules, and they can close without notice. Ask us to confirm what is available before you make an offer. Never pay anyone an upfront fee to apply for down payment assistance.

Why FLO Mortgage

Real people. Real answers.

We are a local mortgage lender, not a call center. We offer a wide range of loan programs and help you compare the options that fit your situation, with a real person who knows your file from start to finish.

FLO Mortgage is led by Joy McCoy Flores (individual NMLS #1096400), Broker Owner and a licensed loan officer in the mortgage industry since 2015.

Local office on Moody Blvd in Flagler Beach
Many loan programs under one roof
VA loan experience, including the details that often slow a VA closing
Clear communication from application to closing

How it works

Five steps from pre-approval to your keys

We guide you through every step and tell you exactly what we need along the way.

1Pre-Approval
2House Hunting
3Underwriting
4Conditional Approval
5Closing Day

See how the process works →

Payment calculator

Estimate your monthly payment

Plug in a price and down payment to get a ballpark. Your actual rate and payment depend on your credit, loan type and the day you lock, so treat this as a starting point.

Want real numbers? A local loan officer can price out your actual options.

Get My Real Numbers

Client reviews

★★★★★ 5.0 on Google

Daniel Shapkin

I had a great experience working with Rich. He was professional, responsive, and great to work with throughout the entire process. What really stood out to me was that Rich is a true problem solver. If anything ever comes up during a transaction, he’s quick to jump in, find a solution, and do whatever it takes to keep things moving forward. I really appreciate his communication, professionalism, and willingness to get the job done. I’d definitely work with Rich again and highly recommend him!

Michael

Anthony help we buy a great house in the Flagler Beach area. Was able to get a great rate. Very educational and answered all my questions. Would highly recommend. Will be using Anthony again.

Skyler Ciolino

Awesome lenders!! Have done multiple deals with Anthony!! Proactive and responsive!

Mike Ginn

Anthony and his team were very helpful getting us approved for a home when other companies couldn't. We would still be in a rental if it wasn't for Flo Mortgage Thank you!!!

Geoffrey Grau

Sandy, has been the absolute best!! I dont think we would be anywhere with out her! Great source for all your mortgage needs! Ill be using her again any time needed! Thanks again! A+++

Kat Cruz

⭐⭐⭐⭐⭐ ⭐⭐⭐⭐⭐ ⭐⭐⭐⭐➕ If I could give Anthony Jones and the entire FLO Mortgage team more than 5 stars, I absolutely would. My family and I had almost lost hope after working with multiple lenders and hearing “no” over and over again. We were discouraged and started believing that homeownership just wasn’t meant to happen for us. Then Anthony and his team took over our loan, and everything changed. What other lenders couldn’t accomplish in months, Anthony and the FLO Mortgage team accomplished in just 12 days. That still amazes me. Their knowledge, communication, dedication, and ability to solve problems turned what felt impossible into reality. From day one, Anthony was honest, responsive, incredibly patient, and always willing to answer my many questions. Brenda and the rest of the team were equally amazing, keeping everything moving and making sure I understood each step of the process. Buying a home can be overwhelming, but they always made me feel informed, supported, and confident. What impressed me most was that they never treated us like just another loan file. They treated us like a family with a dream worth fighting for. Every time an obstacle came up, they found a solution instead of giving up. Because of Anthony, Brenda, and the entire FLO Mortgage team, my family is now proud homeowners. Receiving the keys to our very first home is a moment we’ll cherish forever, and we know it would not have been possible without their hard work, teamwork, and determination. If you’re looking for a mortgage team that truly cares, communicates exceptionally well, and works relentlessly on your behalf, I wholeheartedly recommend Anthony Jones and FLO Mortgage. They didn’t just help us buy a house. They helped make a lifelong dream come true. Thank you, Anthony, Brenda, and the entire FLO Mortgage team. May God continue to bless each of you as you help more families achieve the dream of homeownership. We will never forget what you did for our family. 🏡🔑❤️

Olga Vsevolodova

Excellent support throughout the preparation, the selection of the house, and the transaction itself. Many thanks, Ella Chageyeva

Lisvan Montelier

Lo mejor de lo mejor gracias

Reviews from Google. Individual results vary, and every loan is subject to credit approval and program guidelines.

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