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 75% financing for foreign nationals and offer programs with little or no documentation for with quick, easy 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
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 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
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 !    
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  
Need Loan Pre-Approval with a Rate and Term?
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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 Loans
Foreign National Loan Application
Why a Bank Statement Loan? With over 14 programs,  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 even if you are 1 day out of a recent mortgage events (e.g. Bankruptcy, Foreclosure, Short Sale, Deed in Lieu.   
Get Pre-Approved for a Self-Employed Bank Statement Loan Today ! FHA Direct Loans
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 $10mm Per Borrower) WHAT TYPES OF LOANS DO WE SERVICE?   1-4 Family - Multi-family (Multi-family exceptions for primary residence) Mixed-Use & Commercial Non Owner Occupied REOs/Short Sales/Foreclosure Auctions Development, Rehab, Income Generating Ground Up and Land Programs Available RESIDENTIAL “INVESTMENT” (Title to property must be in business entity’s name) COMMERCIAL- Office, Retail, Multi-Family, Mixed-Use, Warehouse NEW !! 80% LTV with 650 FICO  70% LTV with 640 FICO UP TO 65% LTV FOR ZERO DOCS - NO FICO SCORE - NO CREDIT CHECK   LOAN AMOUNTS - MIN $250,000 - $10,000,000 THIS PROGRAM IS IDEAL FOR FOREIGN NATIONALS WHO ARE LOOKING FOR A MINIMAL DOCUMENTATION SOLUTION 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
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.
PURCHASE YOUR HOME WITH JUST 1% DOWN WE ARE EXCITED TO PRESENT OUR NEW CONVENTIONAL 1% DOWN WITH EQUITY PLUS LOAN PROGRAM You simply put down 1%,  and we 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 THERE’S NO REASON TO WAIT! CLICK TO APPLY OR CALL TODAY AND GET THE HOME YOU’VE ALWAYS WANTED.
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Bank Statement Stated  Jumbo Loan 24 Month Bank Statements (Business or Personal) No Tax Returns, No Pre-Pay Penalty, 30 year fixed, 5/1 and 7/1 ARM Max 90% LTV with NO MI - Low rates Loan Amounts from $300,000 to $2.5Millon Jumbo Full Doc Loan - w/ 2 Year Tax Returns 95% LTV from $300,000 to $1.5 MM Purchase or Cash Out / No MI  Low rates, No Pre-Pay Penalty, 30 year fixed, 5/1 and 7/1 ARM
- - - - - - - - Are you Self-Employed with no Mortgage Events? - - - - - - - -
Program Highlights • Non-US credit accepted • Up to 75% LTV • Up to 50% DTI • Single family, townhouses, condos, 2-4 units • Loans up to $1,000,000 • Rates * 7.37 to 7.77 based on FICO • No reserves • Investment properties • Minimum FICO 640 (We pay for Credit Report after doc review)
What documents do you need?  • 3 Reference letters • Verification of Employment • Self-Employed need to provide website or corporate docs  • Proof of ownership of home in the country you reside in  • Proof of funds to close  
We offer 8 or the 14 bank statement loan programs for those Self-Employed, DBA’s, Sole Proprietors, Corporations, 1099 Independent Contractors and W-2 wage earners who have no mortgage event history Very Low Rates*
RECENT  TESTIMONIAL ABOUT OUR JUMBO LOAN PROGRAM  I have sold from the least expensive to multi- million dollar properties and every transaction is as important as the next.  However, finding a reliable lender for multi-million dollar properties with clients who are self-employed is not easy. In researching lenders, I came across a marketing flyer from 1st Florida Lending Corp who promoted financing (up to 3million) for self-employed borrowers at low rates. I suggested that my client who wanted to purchase a million-dollar-plus property contact them which they did and started the approval process. Carlos, Sonia and Mark all reassured me from the beginning that the loan would close!  And they made good on their promise! My client was extremely happy with the 1st Florida Lending Corp.  “Thank you all for a job well done, I'm was impressed.”   Marianne T. Secontine, P.A.  *  The K Company Realty, LLC.  305-747-8026  msecontine@aol.com  http://www.buyandsellupperkeys.com
- - - - - - - - Are you Self-Employed and need a JUMBO LOAN ? - - - - - - - -
* Bank Statement Loan rates are determined by a combination of FICO Credit Score, History and Down Payment Amount. The minimum 500 FICO** is available for non-owner occupied properties only.   1st Florida Lending Corp. brand, makes no warranty or guarantee of a loan approval, credit score increases, loan closings, nor is such inferred or implied. Borrower qualification is required and program availability & guidelines is/are subject to change without notice. Other terms and conditions may apply. Programs are subject to change without notice We  Say YES!  * When Banks Say NO! TM 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
Key Highlights * Minimum FICO Score:   500 ** * Loan Amounts: 150,000 min. - 3 Million max. * Maximum LTV:  90%  (10% down payment) * BK,FC & SS Eligibility:  1day, 1 yr, 2 yrs and 3 yrs out * Terms:  5yr-ARM / 7yr-ARM / 30 Yr-Fixed * No Tax Returns, Pre-Payment Penalty or MI * Foreign Nationals Eligibility:  YES *Property Types:  Single Family, Multi-Family, Condo, *Investment, Commercial and Land OK !
For Self-Employed, DBA’s, Sole Proprietors, Corporations, 1099 Independent Contractors and W-2 Wage Earners 
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
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.   
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