Welcome to

1st Financial, Inc.

Heath B. Hall, At Your Service

1st Financial, Inc

1st Financial, Inc. is a mortgage banking firm serving consumers and industry partners. We offer a variety of affordable home loan options, competitive interest rates and an easy online application process. Led by industry veterans, 1st Financial,Inc is poised for exponential growth throughout the United States and actively recruiting. 1st Financial is privately held, well capitalized and relentlessly focused on three simple words; “MOVING YOU FORWARD”.

Contract Paper Signing

Market Appraisal

Whether you need help negotiating a mortgage or buying a new home, 1st Financial, Inc. Heath B. Hall can manage all your mortgage needs. My Market Appraisal services will take the complications out of the process. You’ll be surprised by how easy your life becomes once we work together— contact me and find how my Market Appraisal services can help.

Key in the Lock

Mortgage Lending

Whether you’re buying your first home or looking for a new investment property, there’s lots of stress and complications involved in mortgages and financing. That’s where I come in. I help my clients with all their Mortgage Lending needs so they can enjoy the fun and excitement of purchasing real estate.

Credit Assessment

Credit Assessment

Save money by receiving the best financing terms available. My Credit Assessment services cater towards getting my clients the best down payment and interest options on their loans. Contact me today to see what I can do for you. Check out my opening hours and schedule a consultation appointment today!


F A Qs


Client Testimonials

"Heath Hall is one of the most knowledgeable loan originators you will ever find in the lending marketplace!"

Walter D.

He did an amazing job. He got me the best rate extremely fast. He was so quick we were able to close 2 weeks early. He also kept me informed and updated during the whole processes and answered all the questions I had.

Joey D.

"When I started looking around for a home loan I was referred to Heath Hall. I am so glad I trusted that referral! After my consultation with Heath I knew he would be able to make the home buying process a simple and positive one and he did."

Jennifer B.

"Heath guided me through the entire process and provided me valuable information. His knowledge of the lending process is clear and concise. I would definitely recommend him."

Bruce F.

What is the difference between being Pre-qualified and Pre-Approved?

Pre-qualification is normally determined by a loan officer. After the loan officer determines that you pre-qualify, he/she then issues a pre-qualification letter. The pre-qualification letter is used when you make an offer on a property. 

Pre-approval is a step above pre-qualification. Pre-approval involves verifying your credit, down payment, employment history, etc. Your loan application is submitted to the underwriter of a lender, and a decision is made regarding your loan application. When your loan is pre-approved, you receive a pre-approval certificate. 

What is the difference between fixed rate and adjustable rate mortgages?

A fixed rate mortgage is a loan where the principal and interest payment never change during the life of the loan. Fixed rate mortgages are beneficial to those who are on a fixed income, (adverse to interest rate change) and those who prefer fixed payment schedules.

Adjustable rate mortgages are advantageous for those who do not plan to stay in their home for a long time, for those borrowers who do not qualify at higher fixed interest rates, and those who can financially handle fluctuating payments.

What are Escrow Accounts?

Escrows are payments made by you to the mortgage company for the purpose of paying your taxes, insurance, and other payments associated with home ownership. The mortgage company is responsible for the timely disbursement of escrow funds to pay your escrow bills as they come due.

What is PMI?

Private Mortgage Insurance and government mortgage insurance protect the lender against default and enable the lender to make a loan, which the lender considers a higher risk.

Lenders often require mortgage insurance for loans when the down payment is less than 20% of the sales price. 


1st Financial, Inc. Clearwater, FL Location