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FIRST FLORIDA FINANCIAL, INC.

FIRST FLORIDA FINANCIAL, INC. - Florida Company Profile

Headquarter

Company Details

Entity Name:	FIRST FLORIDA FINANCIAL, INC.
Jurisdiction:	FLORIDA
Filing Type:	Domestic Profit FIRST FLORIDA FINANCIAL, INC. is structured as a Domestic Profit Corporation, which, in Florida signifies a Profit Corporation (also known as a C-Corporation). This business structure is recognized as a separate legal entity from its owners. This offers shareholders the benefit of limited liability protection, safeguarding their personal assets from the corporation's debts and obligations, and facilitates raising capital through the issuance of stock. In Florida, Domestic Profit Corporations are governed by Title XXXVI, Chapter 607, Florida Statutes – Florida Business Corporation Act.
Status:	Active The business entity is active. This status indicates that the business is currently operating and compliant with state regulations, suggesting a lower risk profile for lenders and potentially better creditworthiness.
Date Filed:	07 Oct 2004 (21 years ago)
Last Event:	REINSTATEMENT
Event Date Filed:	08 Mar 2011 (14 years ago)
Document Number:	P04000139121
FEI/EIN Number	201441481 Federal Employer Identification (FEI) Number assigned by the IRS.
Address:	13400 Sutton Park Drive South, Jacksonville, FL, 32224, US
Mail Address:	13400 Sutton Park Drive South, Jacksonville, FL, 32224, US
ZIP code:	32224
County:	Duval
Place of Formation:	FLORIDA

Links between entities

Type	Company Name	Company Number	State
Headquarter of	FIRST FLORIDA FINANCIAL, INC., ALABAMA	001-048-492	ALABAMA

Key Officers & Management

Name	Role	Address
SHEASLEY BRANDON L	President	4378 Crooked Creek Dr., Jacksonville, FL, 32224
Isaac Brett J	Agent	2151 University Blvd. South, Jacksonville, FL, 32216

Fictitious Names

Registration Number	Fictitious Name	Status	Filed Date	Expiration Date	Cancellation Date	Mailing Address
G22000114878	PATRIOT HOME LOANS	ACTIVE	2022-09-13	2027-12-31	-	13400 SUTTON PARK DR SOUTH, SUITE 1502, JACKSONVILLE, FL, 32224

Events

Event Type	Filed Date	Value	Description
CHANGE OF PRINCIPAL ADDRESS	2015-04-29	13400 Sutton Park Drive South, 1502, Jacksonville, FL 32224	-
CHANGE OF MAILING ADDRESS	2015-04-29	13400 Sutton Park Drive South, 1502, Jacksonville, FL 32224	-
REGISTERED AGENT ADDRESS CHANGED	2013-04-29	2151 University Blvd. South, Jacksonville, FL 32216	-
REGISTERED AGENT NAME CHANGED	2013-04-29	Isaac, Brett J	-
REINSTATEMENT	2011-03-08	-	-
ADMIN DISSOLUTION FOR ANNUAL REPORT	2010-09-24	-	-
CANCEL ADM DISS/REV	2008-09-30	-	-
ADMIN DISSOLUTION FOR ANNUAL REPORT	2008-09-26	-	-

Debts

Document Number	Status	Case Number	Name of Court	Date of Entry	Expiration Date	Amount Due	Plaintiff
J10000173226	TERMINATED	1000000128027	ST JOHNS	2009-07-10	2030-02-16	$ 3,832.57	STATE OF FLORIDA, DEPARTMENT OF REVENUE, JACKSONVILLE SERVICE CENTER, 921 N DAVIS ST STE 250A, JACKSONVILLE FL322096825

Documents

Name	Date
ANNUAL REPORT	2025-01-21
ANNUAL REPORT	2024-02-15
ANNUAL REPORT	2023-01-31
ANNUAL REPORT	2022-02-01
ANNUAL REPORT	2021-01-19
AMENDED ANNUAL REPORT	2020-09-28
ANNUAL REPORT	2020-05-29
ANNUAL REPORT	2019-04-30
ANNUAL REPORT	2018-04-27
ANNUAL REPORT	2017-04-24
ANNUAL REPORT	2016-04-28
ANNUAL REPORT	2015-04-29
ANNUAL REPORT	2014-04-29
ANNUAL REPORT	2013-04-29
ANNUAL REPORT	2012-04-30
REINSTATEMENT	2011-03-08
ANNUAL REPORT	2009-04-30
REINSTATEMENT	2008-09-30
ANNUAL REPORT	2007-04-30
ANNUAL REPORT	2006-03-28

CFPB Complaint

Complaint Id

Date Received

Issue

Product

4094818

2021-01-26

Applying for a mortgage or refinancing an existing mortgage

Mortgage

Issue	Applying for a mortgage or refinancing an existing mortgage
Timely	Yes
Company	First Florida Financial, Inc.
Product	Mortgage
Sub Product	FHA mortgage
Date Received	2021-01-26
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2021-03-02
Complaint What Happened	I spoke to XXXX XXXX NMLS # XXXX Branch NMLS # XXXX in XXXX of XXXX to obtain a mortgage. I explained my situation up front and he said he could help. I provided tax returns, pay stubs, credit reports, W4s, W2s, bank statements, contracts, pay plans, etc etc everything that was asked for. Within a few days I was " pre approved '' for {$370000.00}. On XX/XX/XXXX I went under contract on a house and provided my {$3500.00} earnest money. As the weeks went by I heard nothing and assumed all was well. I continued to provide documents immediately upon request. I was even able to generate pay stubs a week in advance with my HR department. During this time XXXX tried charging me a 3.25 %. So I called a few other lenders and got rates at 2.5 %. I told XXXX this and he said, " Stop calling other lenders. '' He told me they were going to rip me off and he was the only one who could help me. The next day I magically got a 2.75 % rate .... hmmm ... ... After 1.5 months 2 days before closing XXXX said he needed more time. So I asked for an extension to give him more time to close the deal. Another week later XXXX tells me that my debt to income ratio is not right. Because I was paid a salary + commission for all of XXXX and XXXX, and now I was working on just commission - my salary income was being thrown out and not used. This changed my XXXX from 17 % to 56 %. However I was very upfront TWO months ago about how I get paid and provided everything that was asked for. But for some reason XXXX could not figure this out for two months???? Now here 's where it gets interesting. XXXX told me on XX/XX/XXXX that I need my boss to write a letter that states I make a minimum of $ XXXX a month. I told XXXX this was not true and could not get my boss to do it. He said it was the only way this would get done. So against my better judgement I asked my boss who was able to write the letter. He wrote the letter word for word what XXXX asked for. I delivered this letter to XXXX THE NEXT DAY. Another week goes by and XXXX says he still needs more time to close the deal. The lenders weren't working with my income so he had to find other lenders. At this point in order to secure another extension I was asked to put down ANOTHER {$3500.00} NON REFUNDABLE deposit to do so. XXXX said if I gave him two weeks he could find a bank to buy the loan but the rate might be higher. I said I don't care get it done. So guess what .... one weeks goes and now XXXX says this is a problem. He wants me to sell my truck, pay it off immediately, then have XXXX XXXX reflect the payoff immediately. This was the most unreasonable request I have ever had. How am I supposed to get a corporation and a bank to move that fast? Then all three credit bureaus to move that fast? This guy is a joke. Next he wants to go to my HR department and ask them to put me on a base salary of $ XXXX every month. Oh yeah XXXX let me just walk into my HR department and get a permanent and huge raise for you. Like that's going to be so easy??? Why are you telling me these things two days before closing? Two weeks later .... one day before the contract expires and I officially lose all of my money. No loan, no answer from XXXX, no update. He finally tells me " I can't get this done. '' He goes on to say that he would be willing to give me a credit for my appraisal and credit report when I get a mortgage from him in six months. I asked him for all my money returned to me and he said, " You won't get a check from me. You did not actually spend any money with me. '' He said it was my fault I did not tell him about my income when I did. I provided him with everything. XXXX was apparently not aware of very simple FHA guidelines regarding commission income. He also has zero buying power or relationships with underwriters. Just a bunch of fast talk and no actual success. After losing nearly $ XXXX on this completely botched transaction, I called XXXX 's license holder XXXX XXXX XXXX NMLS # XXXX and spoke to XXXX XXXX. XXXX reviewed my file and was able to properly advise me on the outcome of the loan. So how is it that XXXX was able to figure out I wouldn't qualify in 2 hours but XXXX wasn't able to figure this out in 3 months??? Why did XXXX tell me to stop calling other lenders? Why did XXXX try charging me a higher rate? Why did XXXX ask me to get my boss to lie in writing for him? Why did XXXX wait until the very end of the transaction and ask me to sell a bunch of property? Why does XXXX not know anything about FHA guidelines? Why can't XXXX do a very simple DTI calculation? Why can't XXXX properly read pay stubs? I want all of my money that I lost dealing with him back.
Consumer Consent Provided	Consent provided

Paycheck Protection Program

Loan Number

Loan Funded Date

SBA Origination Office Code

Loan Delivery Method

Borrower Street Address

6316857202

2020-04-27

0491

PPP

13400 Sutton Park Dr South Suite 1502, Jacksonville, FL, 32224

Loan Status Date	2021-02-24
Loan Status	Paid in Full
Loan Maturity in Months	24
SBA Guaranty Percentage	100
Loan Approval Amount (at origination)	236849.43
Loan Approval Amount (current)	236849.43
Undisbursed Amount	0
Franchise Name	-
Lender Location ID	225134
Servicing Lender Name	Truist Bank
Servicing Lender Address	214 N Tryon St, CHARLOTTE, NC, 28202-1078
Rural or Urban Indicator	U
Hubzone	N
LMI	N
Business Age Description	Existing or more than 2 years old
Project Address	Jacksonville, DUVAL, FL, 32224-0001
Project Congressional District	FL-05
Number of Employees	15
NAICS code	531390
Borrower Race	Unanswered
Borrower Ethnicity	Unknown/NotStated
Business Type	Corporation
Originating Lender ID	225134
Originating Lender Name	Truist Bank
Originating Lender Address	CHARLOTTE, NC
Gender	Unanswered
Veteran	Unanswered
Forgiveness Amount	238474.48
Forgiveness Paid Date	2021-01-08

Date of last update: 01 Apr 2025

Sources: Florida Department of State