About Us
Florida Mortgage Firm is a Veteran-Owned and Operated business founded in 2009 by Nate Davis.
Built on the values of hard work, discipline, and doing things the right way – principles shaped by his small-town upbringing and service in the U.S. Marine Corps.
Those same values became the foundation of our company culture and the processes that make your mortgage experience smoother and more personal. We believe hard work, communication, and transparency should be at the core of everything we do.
Every day when we walk into the office, we’re reminded of our 10 Principles of Success, which include:
1. We are relationship-driven, not transaction-driven
2. Exceed expectations at every opportunity
3. Communication of the process is as important as the process itself
4. How we do the little things is how we do everything
This is just a glimpse into the standard we hold ourselves to. We know you have many options when choosing who to work with, and it’s our goal to make sure your experience with us is one you’ll want to share with others.
Everything we do is guided by one simple question:
How would we want this to go if this was our mother?
We believe upholding this principle is a reason we have been a top brokerage year over year—not because of clever marketing or advertising, but by adhering to the approach that you should treat people right and offer a great product.
Over 800+ 5-Star Google Reviews
CHECK OUT THIS PODCAST
Nate Davis discusses how to build a company through a process-focused approach.
The Florida Mortgage Firm holds a Florida Mortgage Lender license and offers a wide array of mortgage products, including FHA, USDA, VA, Conventional, Commercial, Construction and more.
The Florida Mortgage Firm serves the entire state of Florida and is committed to adhering to the policies of all fair-lending laws, such as the Equal Credit Opportunity Act, the Fair Credit Reporting Act and the Fair Housing Act. Headquartered just outside of Tampa, we are conveniently located in central Florida.
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MEET OUR LOAN OFFICERS
Real people. Honest guidance. Mortgage solutions built around you.
My name is Toni and I’m pretty sure my mom wanted a boy, but instead she got three girls. I am the oldest of them, all born and raised in Plant City. I absolutely love this town. I moved away twice for short periods of time but had to come back home — there is no place like it.
That’s where I had a simple and rewarding childhood. I cherish the memories of summers with my “Granny,” picking fruit for jellies and pies, canning vegetables, cane-pole fishing and playing in old junk cars at her and Grandpa’s auto shop off of Hwy 574 just outside of town. She was my best friend from another generation and had a huge impact on my life.
I am happily married to my best friend from this generation, Roy Raulerson. He is a lineman for Tampa Electric and also a native of Florida. Together, we spend every spare moment in the outdoors, hunting for deer and turkey, fishing the flats or the lake, lobstering and watching baseball. In November 2012, we were blessed with our baby boy, Drake. He is by far my proudest accomplishment in life.
Before there were Roy and Drake, I was in real estate, starting with a large management company in Florida as the sales and marketing director of almost 2,000 units. After a short span of success, I was asked to help with a joint venture with one of the largest builders in the country, working for several years as a lead sales representative. I loved on-site sales, but with a downturn in the market causing many folks to question short-sale options, I decided to venture into general real estate in early 2006 to stay ahead of market trends. Short sales were exhausting but certainly rewarding for both buyer and seller.
Later, with the mortgage experience I was forced to learn during my real estate career, I decided to cross over to the lending side. Here’s where I determined to be the mortgage partner that I had always longed for as a real estate professional.
My love for the industry is apparent to all of my customers. With more than 20 years of combined real estate and mortgage experience, I understand the big picture. With my extensive customer base and strong realtor relationships, I go above and beyond the call of duty to satisfy everyone with whom I work.
Whether purchasing your first home, refinancing your existing home or investing in a second home, I will ensure you get the loan program and rates that fit your individual mortgage needs, all with service that is unsurpassed. If you want someone who understands a mortgage transaction from all perspectives, call or email me today. I would love the opportunity to earn your business.
Some people find their way into real estate… I was basically born into it.
My parents have been involved in the real estate business for more than 40 years, and my father, Ron Donalson, truly did it all — real estate, mortgage lending, and owning his own title company for 35 years.
Ironically, I had very different plans. I was going to be a doctor. I earned my bachelor’s degree in biology and was studying for the MCAT with dreams of medical school. While in school, I took a job at a title company (not my dad’s — independence was important to me). I was offered a position at a mortgage company originating loans for a local builder,
Somewhere along the way, I realized how much I loved helping families buy their homes… and I never looked back.
Fast forward 25 years later — and here I am still doing what I love.
Today, I’m known for my experience, my ability to solve problems, and getting buyers to the closing table with confidence (and often faster than expected).
Turns out I still help change lives — just with loan approvals instead of prescriptions.
Outside of work, I’m married to my ride-or-die husband and am a proud mom of three — one child who is basically the same age as my mortgage career (turning 24 this year!) and two daughters turning 21.
For me, this business has never just been about loans… it’s always been about people, families, and the stories that bring them home.
I started racing at just 4 years old, which taught me quickly that success comes down to preparation, focus, and execution. That mindset has stuck with me in everything I do.
I went on to earn my Master’s degree in Accounting from Stetson University. Along the way, I also earned my contractor’s license, which gave me a hands-on perspective of how homes are built from the ground up.
But it wasn’t until I purchased my first home that everything really clicked.
That experience showed me just how important proper financing is and how much guidance and clarity people need during the process. It’s what led me into the mortgage industry, where I could combine my financial expertise with real-world knowledge to help others make confident decisions.
My approach is simple: be clear, be honest, and be reliable. I focus on making sure you understand your options and feel confident every step of the way.
As a licensed loan originator and the president of Florida Mortgage Firm, I firmly believe in leading from the front. Every day, I make it a point to work in the trenches with my team.
By doing this, we continually make improvements that enhance the customers’ experiences. This allows Florida Mortgage Firm to deliver the speed and service that deliver a positive client experience.
My team and I take this very seriously because we know that real estate is not only a financial asset but a real home for you and your family. The process of buying or refinancing should be as streamlined as possible.
Please feel free to call or email me today.
I was born and raised in Plant City; I have two older brothers and I am the youngest of the family.
I am happily married to my husband Clint and together we have a beautiful, smart little girl, Emma Grace, who is 2. She is my pride and joy, and I am so proud to be her mommy.
When I am not working, we enjoy spending time as a family, hunting, fishing, or just going on the boat to enjoy the FL sunshine!
I began my career in the mortgage industry over 13 years ago, starting off as a secretary with Plant City Mortgage (now Florida Mortgage Firm), working at a mortgage processor, loan officer assistant, and now as a mortgage loan originator.
I am committed to finding solutions for my clients and with Florida Mortgage Firms variety of loan options, I am certain to find the product that is right for you. It’s a commitment that you can rely on and a dedication that is sure to bring you back for your family’s next mortgage need. 🤍
Whether building or buying your dream home, refinancing your current home, or investing in your second home, I will provide you with the best product to fit your mortgage needs. 🏡
I look forward to welcoming you into my mortgage family for life! 🙂
I’m a Florida native, born and raised, and have been married to my husband Ryan for over 20 years. Together we’ve built a busy and rewarding life raising our three daughters, along with our two dogs, Abby and Turbo.
I earned my Bachelor’s degree in Accounting from the University of South Florida and obtained my real estate license in 2004. With a background in both accounting and the construction industry, I bring a well-rounded understanding of the financial and structural sides of real estate.
Outside of work, life revolves around our girls and their activities — you’ll usually find me at a game, on the sidelines, or cheering from the stands. Athletics have always been a big part of my life, from playing basketball, volleyball, and travel softball growing up to now staying active in an adult kickball league.
I’ve always believed that buying or selling a home shouldn’t feel overwhelming or transactional. My goal is to make sure every client feels comfortable, well-informed, and supported every step of the way.
I grew up in Buffalo, NY, so I’ll always be a Bills fan. In 2020, my family made the move down to Florida and went through the homebuying process with Florida Mortgage Firm.
Seeing that process firsthand is what got me interested in the industry. Everything felt clear, organized, and well-communicated, which made a big impact on me and stuck long after closing.
I joined the team shortly after as a loan processor, where I learned the ins and outs of the mortgage process — from disclosures all the way through closing.
That experience gave me a strong foundation and a real understanding of what it takes to keep a transaction moving smoothly.
Once I felt confident in that, I got my mortgage loan originator license so I could work directly with clients and help guide them through the process with that same level of clarity and support.
Outside of work, I spend a lot of time on the golf course, and during football season, I’m usually watching the Bills.
My career in the financial world started many years ago when I needed a job after returning from four years of traveling with my husband in the Air Force. We spent the last two years in Germany and what an awesome experience that was! My philosophy was that if I had to work, I should give no less than 110% and turn the job into a career.
Thanks to a manager who believed in me back when women weren’t necessarily considered candidates for management, I was promoted to Branch Manager of the small Savings & Loan where I worked. Then, as times changed and Tampa Federal S & L was purchased by California based Glendale Federal (remember the commercial “when you say jump, we say how high?), my career in banking really started to advance. Because I married at a young age, college was put on the back burner, but Glendale gave me the opportunity to pursue an education through “Glendale University,” which was awesome but challenging with a full-time job, a baby and a teenager to raise!
Though I was definitely a “career woman,” my No. 1 priority was my family, and with two children to raise, I have had a full and wonderful life! When my daughter was five and I was going through a divorce and had just turned 40, she once started to cry. When I asked what was wrong, she said, “My daddy just left me, and you’re so old your gonna die soon. Then I won’t have any parents.”
That really made me stop and “smell the roses,” and shortly thereafter I gave up the corporate world and went to work for Hallmark Mortgage, which was a small hometown mortgage company that allowed me the flexibility to spend more time with my family. I later purchased the Plant City branch of Hallmark (just before the market took a turn for the worse mind you) and later merged with Nate Davis at Florida Mortgage Firm. Now I focus strictly on providing the best service possible to my clients.
I know the importance of establishing trust in those you count on to handle one of your most prized assets, your financial data. At Florida Mortgage Firm, we strive to offer that hometown, trustworthy, yet state-of-the-art service that everyone looking to purchase or refinance a home deserves.
I was born and raised right here in Plant City. If you’re from here, you already understand—there’s just something about this town you can’t replace.
I come from a long line of farmers and veterans, and that background shaped a lot of who I am today: hard work, honesty, and showing up for people when it matters most.
Before getting into the mortgage world, I worked in financial planning and earned my MBA from Florida Southern College at the age of 22.
One thing you’ll quickly notice about working with me is communication. I believe you should never be left wondering what’s going on with your loan.
You’ll get quick responses, clear updates, and a straightforward explanation every step of the way. Buying a home is a big deal—you deserve to feel confident and informed throughout the entire process.
In an industry where things can often feel impersonal, unclear, or overly complicated, I’ve built my approach around doing the opposite—being available, being thorough, and doing things the right way the first time.