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Direct Mortgage Lenders
Our Foreign National Loan Application is for non-citizen residents who have the qualifications and resources to purchase a home or invest and would like for us to pre-approve their loan amount, quote rates and terms before making a full commitment to move forward.   We provide up to 75% financing for foreign nationals and offer programs with little or no documentation for with quick, easy approval. 
When Banks Say NO! We Say YES!
1st Florida Lending Corp., a registered Mortgage Lender Orlando servicing all of Florida offering over 45 loans programs including Conventional, Jumbo, FHA, VA, USDA to name a few and specializing in Bank Statement Loans or “stated loans” requiring no Tax Return verification.                               Disclaimer:  When Banks Say NO! We Say YES! tm   If you are turned down by another lender.  We will work hard to approve your loan.  No guarantee of any kind is expressed or implied!   Main Office: 2151 Consulate Dr. * Suite 8 *  Orlando, FL., 32837  * Telephone (800) 655-1345 * (407) 300-2558 * Fax (877) 401-9955 We are approved lenders for all Government Loans and registered with the Florida Office of Financial Regulation - # MLD106 © 2007 - 2015 FFL Corp - All rights reserved  I                             I                             I    When Banks Say No !  We Say YES !  ®  is a registered trademark
We are proud of the various charities that our company and team members support !    
Aside from our companies contributions.  We encourage team members to donate there time and money to charities of their choice to support the less fortunate  
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Click for the BBB Business Review of this Mortgage Lender in Orlando FL
What are some of the Qualifications? Up to 80% LTV with 640 min FICO Up to 75% LTV with 620 min FICO NO CREDIT SCORE ? NO PROBLEM W-2 income for wage earners and/or last two year tax returns for non w-2 wage earners and self-employed – OK 24 months statements optional for (self-employed only) New purchases, refinance and cash-out refinancing available No pre-payment penalties No mortgage insurance Gift money from family - OK
Foreign National Loan Application
Get Pre-Approved for a Self-Employed Bank Statement Loan Today !
We are changing lives one loan at a time by offering the largest selection of Mortgage Programs in Florida with over 45 and counting serviced by our professional multilingual staff.  Here are just a few of our loan programs:  Conventional * Conventional w/ 97LTV's * Non QM Conventional - Non QM Conventional w/ 12 month Short sale, Foreclosure, Bankruptcy * Non QM Conventional w/24 months Short sale, Foreclosure, Bankruptcy  * Jumbo Loans low rates * Jumbo Loans  w/ 12 month Short sale * Jumbo Loans w/Short sale, Foreclosure, Bankruptcy *No documentation loans * Investment Properties * Commercial * FHA's with 550 FICO'S * FHA Streamline Non Credit Qualifying * FHA Purchase and Refinance Loans * VA *  IRRA'S * USDA * Cash Flow Loans * Unlimited cash out * Business owner Bank Statement Loans * Independent Contractor Bank Statement Loans * Self- employed Borrower who has been Self-Employed for less than 1 year * Stand Alone 2nds * Manufactured Homes * Manufactured Homes for FHA and VA * Refinance * Refinance w/ cash out * Unlimited Cash Out * 203k Streamline * HARP * Fresh Start * Home Community * Home Path * Non-traditional Credit/Trade References * Live and work in Puerto Rico * Borrowers who have money, but not employed * Reverse Mortgage * Home Renovation * Sub-Prime * Zero FICO Score * Foreign National Stated * Foreign National
THE NEW VA MORTGAGE ADVANTAGE A VA Loan has many advantages that make it one of the most appealing paths to home ownership and this great benefit is reserved exclusively to those who bravely served our country and select military spouses.  When combined, the benefits of the VA mortgage allow service members and Veterans to take advantage of substantial cost savings under qualification requirements designed specifically for members of the military and their unique needs.
VA PROGRAM HIGHLIGHTS 100% Financing Competitive interest rates No PMI (private mortgage insurance) FICO starting at 560 is OK Disabled  Veterans pay no Property Tax in Florida
We are Approved VA Lenders ! 
Here is how it works   Under our lender paid credits program we can pay your closing costs which includes Title Insurance Fees, Government Charges, Recording Fees and Lender Fees.  Our No-closing-cost mortgage can saves thousands in upfront fees and may be the ticket to getting a mortgage for a new home or a refinance.  The minimum FICO score for this program is 620 (middle score). * Disclaimer: 1st Florida Lending Corp will issue a lender paid credits at closing for the amount of your closing costs on both purchase and refinance.  Our Lender Credits are applied at closing and covers the following fees: government recording charges, government stamps and intangible taxes and (please note: all appraisal fees are paid by the borrower and collected at time of your application and will be credited back at closing) All title charges and other third party fees must agreed to in advance. 1st Florida Lending Corp reserves the right to select the closing agent when paying the title charges and may cancel this offer anytime without notice
For Self-Employed, DBA’s, Sole Proprietors, Corporations, 1099 Independent Contractors and W-2 Wage Earners
Professional & Reliable Welcome to Florida’s Direct Lenders (we are not brokers) specializing in residential, investment and commercial mortgages. At Florida Direct Lenders aka 1st Florida Lending Corp., we will help find a loan that fits your budget and  expectations. Unlike big banks whose loan officers are overworked, under paid and work with one size fits all parameters, rates and terms.  We offer over 50 loan programs with hundreds of matrixes, managed by highly skilled  licensed loan officers (not unlicensed order takers) who know what it takes to get your loan through underwriting quickly.
NO DOCUMENTATION LOANS
NO CREDIT, NO BANK STATEMENTS, NO FINANCIALS... NOTHING!
PURCHASE YOUR HOME WITH JUST 1% DOWN
WHAT IS A NON-CONFORMING LOAN?
Conforming vs. Non-Conforming Loans What is a conforming loan? What does it "conform" to? Conforming Loans A conforming loan meets certain guidelines as set forth by Fannie Mae and Freddie Mac. The best-known of these guidelines is the size of the loan; in most counties in the United States, the current maximum size of a conforming loan is $417,000, though super-conforming loans with higher price limits are available in more expensive counties.  In addition to the size limit, conforming loans must meet guidelines regarding a borrower's debt-to-income ratio (DTI), and the loan must be properly documented.  Conforming loans are attractive to borrowers because they usually offer lower interest rates. Non-Conforming Loans Certain borrowers do not meet the lending guidelines of conforming loans, even if the size of the loan is not an issue. Usually, this is for one or more of the following reasons: Jumbo Loans: Exceed the maximum lending guidelines of a conforming loan and are more difficult to sell on the secondary market. Higher rate offset the financial risk Loan-to-Value Ratio (LTV): This number represents the percentage of the home's purchase price that you pay for with a mortgage. If the home costs $100,000, and you take out a mortgage of $80,000, the LTV ratio is 80%. Typically, you can borrow up to 90% of the home's purchase price and still qualify for a conforming loan. Anything higher than a 90% LTV ratio may disqualify you. Credit Score and History: As of December, 2009, borrowers need to have a solid credit history, reflected by a credit score of at least 620. A lower credit score may disqualify you from getting a conforming loan. Documentation Problems: Conforming loans require complete documentation of employment history, income, and assets. If you can't provide all of this documentation, you may not qualify for a conforming loan. Total Debt: If your total debt load is very high, you may have trouble getting a conforming loan. Recent Bankruptcy: Borrowers who are recovering from a recent bankruptcy (within the past two years) may not be able to secure a conforming loan. Debt-to-Income Ratio (DTI): If your monthly mortgage , insurance, taxes, and other consumer debt payments add up to more than 45% of your monthly pre-tax income, you may not qualify for a conforming loan.
95% LTV JUMBO LOAN
TO REQUEST A LOAN PRE-APPROVAL WITH RATES AND TERMS WE DO NOT PULL CREDIT WITHOUT YOUR PERMISSION AND WILL ACCEPT YOU PROVIDING YOUR OWN CREDIT REPORT FROM ANY SERVICE THAT INCLUDES A MINIMUM OF TWO REPORTING COMPANIES  FOR OUR INITIAL REVIEW       
550 FICO VA LOAN PROGRAM
Our Reverse Mortgage Request Application is for those borrowers who  are interested in obtaining a reverse mortgage.  Once you complete and submit our Reverse Mortgage Request Application, one our professional reverse mortgage loan specialist who can answer any  of your questions and guide you through the application process and  the required supporting documentation and before submitting the loan application to underwriting for approval.
Reverse Mortgage Loans
REVERSE MORTGAGE APPLICATION
TO REQUEST A LOAN PRE-APPROVAL WITH RATES AND TERMS WE DO NOT PULL CREDIT WITHOUT YOUR PERMISSION AND WILL ACCEPT YOU PROVIDING YOUR OWN CREDIT REPORT FROM ANY SERVICE THAT INCLUDES A MINIMUM OF TWO REPORTING COMPANIES  FOR OUR INITIAL REVIEW       
Click Here to learn more about our FHA loan programs
We pay your closing  your costs!
TO REQUEST A LOAN PRE-APPROVAL WITH RATES AND TERMS WE DO NOT PULL CREDIT WITHOUT YOUR PERMISSION AND WILL ACCEPT YOU PROVIDING YOUR OWN CREDIT REPORT FROM ANY SERVICE THAT INCLUDES A MINIMUM OF TWO REPORTING COMPANIES  FOR OUR INITIAL REVIEW       
bank statement loans
WE ARE EXCITED TO PRESENT OUR NEW CONVENTIONAL 1% DOWN WITH EQUITY PLUS LOAN PROGRAM You simply put down 1%,  and we (Lender) contribute 2%*, giving you 3% equity at closing Great low rates Close in 30 days or less Conventional 30-year fixed program Available with no monthly Mortgage Insurance *2% is a lender contribution and may only be applied to down payment  
· · · · · Home Loans TO REQUEST A LOAN PRE-APPROVAL WITH RATES AND TERMS  WE DO NOT PULL CREDIT WITHOUT YOUR PERMISSION AND WILL ACCEPT YOU PROVIDING YOUR OWN CREDIT REPORT FROM ANY SERVICE THAT INCLUDES A MINIMUM OF TWO REPORTING COMPANIES  FOR OUR INITIAL REVIEW
Our new ITIN Tax ID Home Loan Program helps make financing a home easier for qualified Non-US Citizens.  Borrowers do not need a Social Security number and can use there ITIN Tax ID number to qualify! NO CREDIT SCORE ? NO PROBLEM *  If you have an ITIN tax number and have not established a credit score with 3 or more trade-lines, you can establish a 620 score by providing us with 12 months of on-time payments for 3 alternative sources (rent, utilities, cell, insurance, etc.). Qualifying Income You income must be generated in the USA – No overseas income allowed. Types of Property That Qualify? Single-family, Multi-Property, Condos, Non-Warrantable Condos, Townhouses, Mobile Homes, Vacant Land, and Investment Property. Fix Loan Terms Available 10, 15, 20 and 30 year. Don’t Have a US Bank Account? You will need to establish a bank account before your loan is closed. Identification If you don’t have a Valid State ID, we a passport and Visa will be required
Jumbo Full Doc Loan - w/ 2 Year Tax Returns / $500K to $5MILLION  / 30 year fixed, 5/1 and 7/1 ARM
JUMBO LOANS We  Say YES!  * When Banks Say NO! TM
BANK STATEMENT LOANS
For Self-Employed, DBA’s, Sole Proprietors, Corporations, 1099 Independent Contractors and W-2 Wage Earners
Why a Bank Statement Loan? With over 14 programs our  Bank Statement Loan programs are rapidly becoming the loan of choice For Self-Employed, DBA’s, Sole Proprietors, Corporations, 1099 Independent Contractors and W-2 wage earners  who have cash flow and payment history, but show a reduced taxable income as a result of high deductions   
“We offer programs with  1 day out of a recent mortgage events like Bankruptcy, Foreclosure and Short Sale” 
ITIN TAX ID  LOAN PROGRAM
JUMBO LOANS
WE CAN CLOSE YOUR LOAN IN 10 BUSINESS DAYS !
NO DOC (HARD MONEY)  LOANS
NO EMPLOYMENT OR INCOME VERIFICATION  - LOAN BASED ON APPRAISED VALUE
WHAT ARE THE RATES? Rates start in the Mid 3’s MAXIMUM LTV:  FHA - 96.5% LTV  / Conventional - 97% LTV  RESTRICTIONS?  Must have a 640+ Middle Credit Score • No credit mortgage events within 7 years • No late payments within 24 Months • No student loans • No outstanding liens • No active litigation • Rush order appraisal required ARE  YOU READY TO START THE CLEAR-TO-CLOSE COUNTDOWN CLOCK?  
Our fast track closing service is for Conventional and FHA Conforming Loans only.  The start date begins when we actually receive your documentation in .pdf format  without errors an omissions. 
When you complete our  on-line loan application. You will be assigned a loan officer and redirected to a secure webpage for uploading documents.
FHA LOANS NO BROKER FEES - NO LENDER FEES - NO CLOSING COST 
> VISIT MOBILE WEBSITE
JUMBO LOANS RATES STARTING THE 4’S - MIN LOAN AMOUT $ 500K - MAX 5 MILLION
KEY HIGHLIGHTS •  Borrow up to $3,000,000 per property  •  Rates starting in the 4's  •  No Pre-Payment Penalty •  Up to 75% loan-to-value financing  •  Eligible properties: single-family, condos and townhouses  •  Loans are manually underwritten  •  Self-employed okay   What documents do you need?  • 3 Credit references (mortgage, car payment, credit cards, etc..) • Last two months Bank statements   • If wage earner – Letter from employer • If Self-Employed –  Accountant verification letter  • Proof of ownership of home in the country you reside in  • Proof of funds to close