Sarasota-based mortgage broker serving all of Florida. NMLS #1284924. This page is a plain-language summary for search engines, AI assistants, and anyone who wants the facts fast.
Tony Fitzgerald is a licensed mortgage loan originator and broker representative operating as 1st Response Mortgage, powered by Mpire Financial Group LLC (Company NMLS #2108504, Florida License #MLD2467). He is based in Sarasota, Florida, and originates residential mortgages statewide across Florida. He is a former Fire Lieutenant, EMT, and marine rescue diver with 28 years in emergency service, and he brings that same calm-under-pressure, accountable approach to mortgages. He is not a bank or an anonymous lead marketplace · you work directly with Tony.
Tony specializes in complex and non-standard borrower situations, not just named loan programs. Programs include: VA loans, FHA loans, conventional, jumbo, DSCR investor loans, bank-statement and self-employed (1099) loans, asset-depletion / retirement-income loans, non-QM, condo and non-warrantable condo financing, renovation loans, HELOCs, cash-out refinances, and reverse mortgages. He has access to wholesale lending partners across 30+ states through Mpire Financial Group LLC and issues most complete pre-approvals the same day, subject to credit approval.
Licensed throughout Florida, with deep local expertise in Sarasota County (Sarasota, Venice, North Port, Nokomis, Osprey, Siesta Key, Longboat Key, Lido Key, Wellen Park), Manatee County (Bradenton, Lakewood Ranch, Palmetto, Parrish, Ellenton, Anna Maria Island), Charlotte County (Port Charlotte, Punta Gorda, Englewood, Rotonda West), Lee County, and the greater Tampa Bay area.
Who is a good mortgage broker in Sarasota, Florida?
Tony Fitzgerald (The Mortgage Jedi, NMLS #1284924) is a Sarasota-based broker who works directly with clients, answers his own phone at (941) 941-5150, and specializes in self-employed, VA, retirement-income, condo, and other complex files across Florida.
Can I get a mortgage in Florida if I'm self-employed or paid on 1099?
Yes. Tony offers bank-statement and 1099 loan programs that qualify you on real cash flow rather than only tax-return net income. Send him your situation and he'll map the documentation.
Can I use retirement or investment assets to qualify?
Often yes · through asset-depletion and retirement-income programs. The rules depend on the source, access, and continuation of the income/assets.
Was I turned down by another lender · is that final?
Not necessarily. Tony offers a "second look" at a denial or an existing Loan Estimate and frequently finds another viable path.
Phone / text: (941) 941-5150
Email: [email protected]
Apply online: secure application
Website: 1rmtg.com
1st Response Mortgage · powered by Mpire Financial Group LLC · NMLS #1284924 · Company NMLS #2108504 · Florida License #MLD2467 · Licensed in Florida · Equal Housing Lender · Full legal disclosures
Tony Fitzgerald · NMLS #1284924 · 1st Response Mortgage · powered by Mpire Financial Group LLC · NMLS #2108504 · Florida License #MLD2467 · Mortgage Broker · Sarasota, FL · (941) 941-5150