Flagler Beach • Palm Coast • Flagler County
Local mortgage help from people who answer the phone.
VA, FHA, USDA, conventional and refinance loans from a local Flagler Beach team that walks you through every option.
★★★★★ 5.0 on Google from 160+ clients | Company NMLS #1835856
Talk to a local loan officer
No pressure. No robots. Just straight answers about your options.
(386) 882-9980212 Moody Blvd, Flagler Beach, FL 32136
What can we help you with?
Buy a Home
Get pre-approved and know exactly what you can afford.
Get started → 🇺🇸VA Home Loans
For veterans, active duty and eligible surviving spouses.
VA options → 🔄Refinance
Lower your payment, shorten your term or take cash out.
See if it makes sense → 🔑First-Time Buyers
Low down payment programs, explained in plain English.
Learn the steps →Self-employed or investing?
You may qualify using bank statements or rental income instead of tax returns.
Bank statement, DSCR and other non-QM loans for business owners and real estate investors.
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 Broker Owner Joy McCoy Flores, NMLS #1096400, 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 with the details that trip up other lenders
- 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
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 NumbersClient reviews
★★★★★ 5.0 on Google from 160+ clients
Posted on Google![]()
Daniel ShapkinTrustindex verifies that the original source of the review is Google.
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!Posted on Google![]()
MichaelTrustindex verifies that the original source of the review is Google.
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.Posted on Google![]()
Skyler CiolinoTrustindex verifies that the original source of the review is Google.
Awesome lenders!! Have done multiple deals with Anthony!! Proactive and responsive!Posted on Google![]()
Mike GinnTrustindex verifies that the original source of the review is Google.
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!!!Posted on Google![]()
Geoffrey GrauTrustindex verifies that the original source of the review is Google.
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+++Posted on Google![]()
Kat CruzTrustindex verifies that the original source of the review is Google.
⭐⭐⭐⭐⭐ ⭐⭐⭐⭐⭐ ⭐⭐⭐⭐➕ 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. 🏡🔑❤️Posted on Google![]()
Olga VsevolodovaTrustindex verifies that the original source of the review is Google.
Excellent support throughout the preparation, the selection of the house, and the transaction itself. Many thanks, Ella ChageyevaPosted on Google![]()
Lisvan MontelierTrustindex verifies that the original source of the review is Google.
Lo mejor de lo mejor gracias
Ready to see your numbers?
Answer a few quick questions and a local loan officer will follow up with your options.