Our General Loan Pre-Approval Request Form is for those potential borrowers who would like to obtain a Loan Pre-Approval Letter with a qualifying amount, rates and terms that collectively meets your expectations, budget and 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.
Loan Pre-Approval Letter 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 * Construction to Perm * Borrowers who have money, but not employed * Reverse Mortgage * Home Renovation * Sub-Prime * Zero FICO Score * Foreign National Stated * Foreign National Full Doc
Loan Program Updates for Realtor’s
The Truth-in-Lending Act/RESPA Integrated Disclosures (“TRID”) creates timing requirements for disclosures that 1st Florida Lending and other lenders we need to make to consumers. Not only will the new forms be used in transactions, the relationship between 1st Florida Lending and other parties like the closing agent are now altered because we can be liable if certain costs exceed the tolerance limitations set forth in the TRID. In addition, the changes may also delay a transaction if certain changes occur near closing, as TRID requires a three-day waiting period prior to closing and certain changes may cause some minor delays.