About FLO Mortgage

A local Flagler Beach mortgage lender built on straight answers.

FLO Mortgage helps buyers and homeowners across Flagler County and beyond find the right loan by comparing options from multiple investors and lending partners, explaining every option in plain English and picking up the phone when you call.

25Years Experience
14Day Average Close
6States Licensed
Joy McCoy Flores, Broker Owner of FLO Mortgage, NMLS #1096400

Joy McCoy Flores
Broker Owner • NMLS #1096400

Our story

Led by Joy McCoy Flores

FLO Mortgage is led by Broker Owner Joy McCoy Flores, a licensed loan officer since 2015. Joy built FLO around a simple idea: people deserve straight answers, honest numbers and a real person who picks up the phone.

From our office on Moody Blvd in Flagler Beach, Joy and the FLO team help first-time buyers, veterans, move-up buyers, investors and homeowners looking to refinance or tap their equity.

Our team includes loan officers who speak English, Spanish and Russian, so more families can work with someone who explains the process in the language they're most comfortable with.

Why FLO Mortgage

One application. More options working for you.

🏦

More than one option

A bank can only offer its own loans. As a correspondent lender, we work with multiple investors and lending partners, so you aren’t limited to one set of programs or pricing.

📊

Options side by side

You see your choices laid out clearly so you can weigh payment, rate and costs before you decide.

🔑

More ways to qualify

VA, FHA, USDA and conventional loans, plus non-QM, bank statement and DSCR programs for self-employed borrowers and investors.

📞

A local team

You work with a loan officer in Flagler Beach who keeps you updated from application to closing.

Our team

Real people who answer the phone

Joy McCoy Flores, FLO MortgagePablo Jose Llavona, FLO MortgageAnthony M. Jones, FLO MortgageAustin James Basque, FLO MortgageMelissa Burgos, FLO MortgageGarrett Paul Decker, FLO MortgageJhon Montano, FLO MortgageMaria Gabriela Perez, FLO Mortgage
Meet all 22 team members

Licensing

FLO Mortgage, Company NMLS #1835856. Licensed in 6 states. Verify our licenses on NMLS Consumer Access.

Office

212 Moody Blvd, Flagler Beach, FL 32136
(386) 882-9980

Equal Housing Opportunity

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Client reviews

★★★★★ 5.0 on Google from 160+ clients

Posted on Google Google
Daniel Shapkin profile picture
Daniel Shapkin
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex 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 Google
Michael profile picture
Michael
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex 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 Google
Skyler Ciolino profile picture
Skyler Ciolino
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Awesome lenders!! Have done multiple deals with Anthony!! Proactive and responsive!
Posted on Google Google
Mike Ginn profile picture
Mike Ginn
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex 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 Google
Geoffrey Grau profile picture
Geoffrey Grau
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex 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 Google
Kat Cruz profile picture
Kat Cruz
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex 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 Google
Olga Vsevolodova profile picture
Olga Vsevolodova
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex 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 Chageyeva
Posted on Google Google
Lisvan Montelier profile picture
Lisvan Montelier
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Lo mejor de lo mejor gracias

Let’s talk about your next home

Call our Flagler Beach office or start your application online.

© FLO Mortgage, LLC. All rights reserved. Company NMLS #1835856.