Our Loan Pre-Approval Request Form is a simple questionnaire that helps us determine the best loan type, qualifying amount with rates and terms that with hope meets your expectations and budget before making a full commitment to move forward.  Once you are pre-approved (usually within 24 to 48hrs after our document review) an agree with the loan rate and terms.  We will issue you a signed Loan Pre-Approval Letter an initiate the underwriting process when you are ready.  
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 80% financing for foreign nationals and offer programs with little or no documentation for with quick, easy approval. 
Our VA Loan Eligibility Application is for those borrowers who have served on active duty in the Army, Navy, Air Force, Marine Corps, or Coast Guard and were discharged under conditions other than dishonorable after either:  90 days or more, any part of which occurred during wartime, OR 181 continuous days or more (peacetime) and are ready to move forward with the formal loan process. 
Our Form 1003 Loan Application, also called a "Fannie Mae Form 1003" is for those borrowers who may have already obtained a pre-approval letter and ready to move forward with the final loan process. The information requested in this form is designed to identify the borrower’s employment, financial information including assets, and liabilities. Additional supporting documentation will be required for underwriting review and approval. 
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.
We now offer NO DOC HARD MONEY LOANS for SFR, residential investment, multi-family, non-owner occupied properties and commercial properties including (but not limited to): apartments, retail spaces,  mixed-use buildings, Office, Warehouse and 6 month bridge loans. We do not currently loan on mobile or manufactured homes, gas stations, strip malls or new construction projects. LOAN HIGHLIGHTS NO TAX RETURNS      NO CREDIT CHECKED   NO BANK STATEMENTS   NO FINANCIALS NO VOE/VOD   MULTIPLE PROPERTIES WHAT TYPES OF LOANS DO WE SERVICE? FOREIGN NATIONALS RESIDENTIAL INVESTMENT (Title to property must be in business entity’s name) COMMERCIAL- Office, Retail, Multi-Family, Mixed-Use, Warehouse 60 MONTHS INTEREST ONLY – Excellent for BRIDGE LOANS UP TO 60% LTV LOAN AMOUNTS $100,000 - $1,000,000 + RATES  Click here to submit your Request    
   Loan Pre-Approval Request
Foreign National Loan Application
VA Loan Pre-Approval Application
FORM 1003 Loan Application
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 namely English, Spanish, Portuguese, French and Creole HERE ARE JUST A SOME 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 520 FICO'S * FHA Streamline Non Credit Qualifying * FHA Purchase and Refinance Loans * VA * VA Construction to Permanent Purchase Programs * 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 Full Doc
With up to 8 bank statement loan programs for self-employed business owners, independent contractors and now W-2 wage earners looking to purchase property.    We now offer the fast closing time lines with 25 days for individuals and 35 days for business owners. This includes delays from the new TRID laws. Call 800-655-1345 for more information or Click Here for a courtesy Loan Pre-Approval   
*  Rates and LTV are determined by your fico score and down payment amount  Disclaimer: Bank statement loan closing timeline starts when the completed loan file is submitted to underwriting.     Be advised that  the 35 day closing for business bank statement loans is for owner occupied / primary residences only.  All other business stated loans programs can take much longer to close. 
Want to learn more about a specific loan program right away.  Our quick connect will forward your contact request to one of our loan specialist who can answer your questions.
* With Rates Starting in the 5’s and Down Payments as low as 10%
Why a Bank Statement Loan? Our 24-Month Bank Statement programs are rapidly becoming the loan of choice for self- employed business owners, independent contractors and W-2 wage earners who have a good cash flow and payment history, but show a reduced taxable income as a result of high deductions, recent mortgage events e.g. Bankruptcy, Foreclosure, Short Sale Seasoning & Deed in Lieu and/or other personal credit issues.   We offer bank statement programs with low FICO entries, * Rates Starting in the 5’s with Down Payments as low as 10% based on FICO score and down payment amount.   We also just added w-2 with pay stubs eligibility to our stated loan program
When Banks Say NO! We Say YES!
Get Pre-Approved for a Self-Employed Bank Statement Loan Today ! 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.  While 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 © Copyright 2007 - 2015 - All right reserved  I                             I                             I
We  Say YES!  * When Banks Say NO! When Banks Say NO! We Say YES! tm   If you are turned down by another lender.  While we will work hard to approve your loan.  No guarantee of any kind is expressed or implied!
We are proud of the various charities that our company and team members support !    
Carlos Matos
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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