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Puerto Rico Borrowers
PUERTO RICO BORROWERS LOAN PROGRAM - ENGLISH
PUERTO RICO BORROWERS LOAN PROGRAM - SPANISH
1st Florida Lending Direct Mortgage Lenders
        Loan Pre-Approval Application IN ENGLISH  Our Loan Pre-Approval Application is for those borrowers who live and/or work in Puerto Rico and would like to be  pre-approved with a qualifying amount, rate and down payment that collectively meets with their expectations and budget before making a full commitment to move forward. Once the loan pre-approval application is submitted, one of our professional loan specialist assigned to your account will contact you to review your credit history and last two years (hacienda) tax returns.   Once you are pre-approved and agree with the terms.  We will issue you signed pre-approval letter and initiate the final underwriting approval process EN ESPANOL Nuestra solicitud de préstamo Pre-aprobación es para los prestatarios que viven y / o trabajan en Puerto Rico y me gustaría ser pre-aprobado con una cantidad de calificación, la tasa y el pago inicial que satisface colectivamente con sus expectativas y presupuesto antes de hacer un compromiso total con avanzar. Una vez que se presente la solicitud de pre-aprobación del préstamo, uno de nuestros especialistas de préstamo profesional asignado a su cuenta se comunicará con usted para revisar su historial de crédito y dos últimos años devoluciones (hacienda) de impuestos. Una vez que esté pre-aprobado y estoy de acuerdo con los términos. Publicaremos usted firmó carta de aprobación previa e iniciar el proceso de aprobación de la suscripción final.
We currently offer several new loan programs for clients that live and/or work in Puerto Rico.  More specifically, we accept Hacienda (tax returns) as well as borrowers on fixed incomes like social security and pensions who want to purchase a: Primary home 2nd home Vacation home Investment home
Click here to  Apply Online its fast and easy Do you live and work in Puerto Rico and want to Buy a Second Home or  Vacation Home in Florida?
How to request a Tax Return Filing Certification (Certificacion de Ia Radicacion de las Planillas) online. Step 1. Create an account on the Hacienda website located at http://www.hacienda.gobierno.pr   Step 2.  Complete a Certificacion de Ia Radicacion de Planillas and save it in the account your created Step 3.  Contact Hacienda customer service at (787) 721-2020 and press option 5. Step 4.  Ask the customer service representative at Hacienda to log into your account and download the completed a Certificacion de Ia Radicacion de Planillas,  request a Certificate stamp  and have them send it directly to CIC Credit Fax # 800-329-8898 or Fax #615-292-3587 Please note that your tax certificate needs to be sent to CIC directly from Hacienda via fax.  Do send yourself !  We only accepts forms from Hacienda !  
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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Actualmente ofrecemos varios programas de préstamos nuevos para los clientes que viven y / o trabajan en Puerto Rico. Más específicamente, los prestatarios que han presentado declaraciones de impuestos de Hacienda (Puerto Rico) son elegibles para comprar. Esto incluye prestatarios con ingresos fijos, como la seguridad social y las pensiones que quieren comprar una: Casa principal Segundo hogar Casas vacacionales Casa de Inversiones Qué tipo de programa de préstamo es mejor para usted? En caso de obtener una hipoteca de tasa de cambio fija o ajustable? Un préstamo convencional o el gobierno? Sólo tienes que rellenar nuestro Pre-Qualifying solicitud de préstamo y que uno de nuestros especialistas de préstamo cualificado le ayudará a seleccionar el programa adecuado que se ajuste a su presupuesto y necesidades. 
Loan Program Highlights We Accept Hacienda Tax Returns    •	 FICO down to 550 to get approved  •	 Up to 96.5% LTV (3% down payment! ) •	 15, 20 & 30 year fixed (ARM’s are available)   •	 Gifts and Seller Contributions - OK  •	 No minimum Trade lines