AS DIRECT MORTGAGE LENDERS WE SET OUR OWN RULES OFFERING YOU THREE PROMISES1.THE BEST MORTGAGE RATES AVAILABLE2.LOWER FEES OVER THE COMPETITION3.LOAN PROGRAMS TO FIT YOUR BUDGET
WE OFFER THE LARGEST SELECTION OF CUSTOM LOAN PROGRAMS IN FLORIDA
TAKE THE $1,000 CHALLENGE
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Our $1,000 Challenge GuaranteeWe offer the best mortgage deal in Florida and back it up with our $1,000 challenge ! The Challenge We are the most competitive Direct Lender in Florida, and challenge any borrower to find a competitor that offers a better overall deal. Here how it Works If you receive a “legitimate offer” from a competing lender who rates and fees is lower than ours. We promise to match it, and if we can't we will give you $1,000 when you actually close on their mortgage (see terms below) no questions asked. Our $1,000 Guarantee allows you to work with a local, reputable company that cares about this community, without missing out on the best possible deal.Rules and Restrictions for the $1,000 Guarantee$1,000 Mortgage Challenge/Guarantee requires minimum $100,000 loan amount and applies to Fixed Rate Loans Only. Does not apply if borrower is declined by 1st Florida Lending for not meeting credit or income program guidelines. Borrower must provide Good Faith Estimate from competing lender on the same day the competitor’s terms were offered. Must be a program that we offer. Does not apply to prior locks or terms. We must have an opportunity to beat the terms. In the event that we are unable to beat the terms of the competing lender, borrower must provide a HUD-1 settlement statement and the first page of mortgage note after closing, and lock-in agreement dated the same day terms were presented to us, verifying competing lender’s terms to receive $1,000. All documents must be notarized as original copies. HARP (Home Affordable Refinance Program) Loans are not eligible for the $1,000 Guarantee.