Specialties
"FLO Mortgage is a trusted mortgage company in Flagler Beach, FL, offering solutions for your mortgage needs. We offer the best home loans in Flagler Beach. We provide ideal financing solutions for your mortgage needs and exceptional services to our clients during the loan process and beyond. We have over 25 years in the mortgage industry and the experience and deep knowledge to help our customers achieve all their home finance goals as a top-rated mortgage broker in Flagler Beach, FL. From FHA loans to VA home loans, we have all the options you need to become make your homeownership dream a reality!"
History
Established in 2022.
FLO Mortgage was founded with a simple yet powerful mission: to provide a seamless and personalized mortgage experience for homebuyers and homeowners.
With over 25 years of combined experience, we quickly grew from a local brokerage to a trusted lender across multiple states, including Georgia, Tennessee, Pennsylvania, Colorado, and Michigan.
As the preferred lender for SeaGate Homes and a proud supporter of Angel Flight, we are deeply committed to our community. Our team specializes in everything from first-time home purchases to refinancing, VA loans, and reverse mortgages.
At FLO Mortgage, we believe in making home financing simple, fast, and stress-free. We live here. We work here. We are your neighbors.
Meet the Business Owner: Joy F.
Joy is dedicated to making homeownership a reality. With a background in mortgage processing, title, and insurance, she brings years of expertise to every transaction. Before launching FLO Mortgage with her husband Robert in 2023, she successfully ran a mortgage processing company, strengthening her knowledge and client-first approach.
A Midwest native who’s called Florida home for 20+ years, Joy is a proud Autism mom, Kansas City Chiefs fan, and loves boating with family and friends. She leads FLO Mortgage with integrity, professionalism, and a commitment to exceptional service.
At FLO Mortgage, you’re more than just a client—you’re family.