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.

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.
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![]()
Daniel ShapkinTrustindex 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![]()
MichaelTrustindex 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![]()
Skyler CiolinoTrustindex verifies that the original source of the review is Google.
Awesome lenders!! Have done multiple deals with Anthony!! Proactive and responsive!Posted on Google![]()
Mike GinnTrustindex 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![]()
Geoffrey GrauTrustindex 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![]()
Kat CruzTrustindex 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![]()
Olga VsevolodovaTrustindex 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 ChageyevaPosted on Google![]()
Lisvan MontelierTrustindex 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.







