Direct Mortgage Lenders
Just complete our Loan Pre-Approval questionnaire form that will help us to determine the best loan type . Once you are pre-approved (usually within 24 to 48hrs) an agree with the rates and terms.  We will issue you a signed Loan Pre-Approval Letter an initiate the underwriting process when you are ready.   We do offer same day loan pre-approvals !  Just call 407-300-2558 to make an appointment.    
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 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.
Reverse Mortgage Loans Foreign National Loans
Foreign National Loan Application
FORM 1003 Loan Application
Mortgage Lender Approval
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 English, Spanish, Portuguese, French and Creole 
With up to 12 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. 
Home Loans
* 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 ! FHA Direct Loans 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
Bank Statement Loans
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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Quickly Secure a No Doc Loan and take advantage of investment opportunities as they become available. We provide No Document Loans for non-owner occupied properties and commercial properties including (but not limited to): single family residence, residential investment, multi-family,  apartments, retail spaces,  mixed-use buildings, office, warehouse and 6 Month Interest only Bridge loans. LOAN HIGHLIGHTS NO TAX RETURNS      NO VOE/VOD   UNLIMITED PROPERTIES (will finance up to $5mm Per Borrower) WHAT TYPES OF LOANS DO WE SERVICE? FOREIGN NATIONALS PRIMARY RESIDENTIAL  (MULTI-FAMILY PROPERTY ONLY - NO SINGLE FAMILY RESIDENCE ALLOWED) RESIDENTIAL “INVESTMENT” (Title to property must be in business entity’s name) COMMERCIAL- Office, Retail, Multi-Family, Mixed-Use, Warehouse 3/1 OR 7/1 ARM Interest Only (Excellent BRIDGE LOANS) UP TO 65% LTV WITH ZERO FICO SCORE AND NO CREDIT CHECK    70% LTV with 640 FICO 75% LTV with 700 FICO) LOAN AMOUNTS - MIN $100,000 - $1,000,000 + LOANS UP TO 60 MONTHS NEED RATES AND TERMS  CLICK HERE to Submit your Request     Click here to complete our loan pre-approval request form.    One of our loan specialist will contact you with a rate and term. We do not quote rates and terms over the phone.   Complete More Investment Projects o With a No Doc Loan, you can buy more properties.  Instead of putting all your capital into one property, you can put a small amount into multiple properties. Increase Your Profits From Your Investments o Use No Doc Loans to generate more profits from multiple properties and grow your business. Residential Flip Loans o No Doc Loans are perfect for Buy-Fix-Sell projects.  Includes funding for rehab costs. How Does a No Doc Loan work? o No Doc Loans do not rely on the creditworthiness of the borrower. Instead, they look to the value of the property. The lender wants to make sure that if the borrower defaults, there will be sufficient equity in the property over and above the amount of the loan. DIRECT REQUEST LINK http://application.1floridalending.com/53192455694969
No Doc Loans
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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.
CUSTOMER SERVICES Free Credit Consultation Credit Rescore Service Transportation for disabled Veterans  We will help you obtain a replacement on your DD214 and Eligibility Certificate
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
FHA LOANS HAVE MINIMAL DOWN PAYMENT AND CLOSING FEES: Down payment only 3.5% of the purchase price. Gifts from family or Grants for down payment assistance and closing costs OK! No reserves or future payments in account required. Seller can credit buyers up to 6% of sales price towards buyers costs. FHA regulates closing costs. FHA LOANS EASY QUALIFICATIONS: Obtain an FHA loan 3 years after a Foreclosure.  Purchase a Florida home 12 months after a chapter 13 Bankruptcy Purchase a Florida 24 months after a chapter 7 Bankruptcy. Minimum FICO credit score of 580 required for 96.5% financing. Have bad credit? Minimum FICO scores of 540 required for 90% financing FHA LOANS ALLOW HIGHER DEBT TO INCOME & EASIER JOB QUALIFYING FHA allows higher debt ratio's than any other Florida home loan programs. Less than two years on the same job is OK! Self-employed buyers can also qualify for FHA.
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 *  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
We are Approved VA Lenders !  VA guaranteed loans are made by government approved Mortgage Lenders to eligible veterans and their families for the purchase of a home that must be for their own personal occupancy.