1st Florida Lending
Direct Mortgage Lenders
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
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Loan Pre-Approval Document Checklist
 There are four (4) main types of documents needed for a loan pre-approval.  You may be asked for a few more, depending on the loan type and your circumstances Please that this list is for all government backed (“FHA,VA,USDA”) and Conforming loans.  Conforming loans follow guidelines issued by/through Fannie Mae and Freddie Mac.  Please note that FHA, Fannie Mae (Federal National Mortgage Association) and Freddie Mac (the Federal Home Loan Mortgage Corporation) do not underwrite mortgage loans !  1. Borrower Identification A state-issued photo ID driver’s license or identification card. A valid passport will also suffice. All borrowers/co-borrowers must provide ID. 2. Tax Returns 2 years of tax returns and W-2 forms if you work for a company. If you are self-employed, then you’ll most likely be asked for a profit & loss (P&L) statement and federal tax statements for the last two years. You may be asked for your business license or a letter from your CPA. 3. Pay Stubs Provide the most recent 30 days of pay stubs or profit/loss statement. 4. Bank Statements Provide 2 months of the most recent, complete bank statements. Include all pages for all accounts. Statements much show your complete account numbers. Savings Checking Brokerage statements 401k IRAs Roth 403b Other Documents may be requested for your loan Pre-Approval Each loan is as unique as the borrower applying for it. If applicable, the following documents may also be requested of you: Gift Funds Letter Bankruptcy discharge paperwork Divorce decree Pension statement Social Security/Disability Statement Home Owners Association (HOA) Statement If you own other properties, you may be asked for current mortgage statements and a home owner’s insurance declaration for each property
When Banks Say NO! We Say YES!