CARLOS MATOS - CHAIRMAN

COMMERCIAL PROPERTY LOANS

reverse mortgage LOANS

CARLOS MATOS - CHAIRMAN

There are 3 types of refinancing (rate-and-term, cash-out, and cash-in) depending on your individual needs. The most popular refinancing is rate-and-term to take advantage of lower rates or cash-out to consolidate, pay down or pay off debt and/or shortening their loan term, or a combination of the above.

We are proud of the various charities that our company and team members support !

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

We are Ranked #1 in the State of Florida with a 99 % closing rate for Self Employed Bank Statement Loans

Click for the BBB Business Review of this Mortgage Lender in Orlando FL

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.

VA PROGRAM HIGHLIGHTS • 100% Financing • Competitive interest rates • No PMI (private mortgage insurance) • FICO starting at 580 + • Disabled Veterans pay no Property Tax in Florida

With offer over 14 programs. Bank Statement Loans 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

WE ARE EXCITED TO PRESENT OUR FOREIGN NATIONAL LOAN - ALL YOU NEED IS A BANK REFERENCE LETTER AND OWN A PROPERTY IN YOUR COUNTRY OF ORIGIN. • 1 to 4-unit properties / Condotels/Pudtels Allowed • Minimum Loan amount $250,000 up to $2M • Rate w/ 30% DP start at 5.125% • No income, job, or credit required. • Non-Owner Occupied Investment Property • 5yr/7yr ARM & 30-year Fixed • 75% Max LTV Purchase • 65% Max LTV Refinance

WE ARE THE REVERSE MORTGAGE PROFESSIONALS

At 1st Florida Lending Corp, we have been closing Commercial Real Estate and Investment Property Loans in Florida since 2007 offering fast funding by seasoned professionals. We offer a full range of Commercial Real Estate and Investment Property Loan programs including No Income Verification, Self-Employed, Full Doc, No-Doc and Stated Income for any property type and financial situation.

CALL US 407-300-2558 NO DOCUMENTATION LOANS Let Us Make Your Dream Home A Reality Use Cash-on-hand (no seasoning required) for Down Payment Use Family Income as Non-Occupant Co-Borrowers to Qualify Use Current Household Members Income to Qualify - Not on Note! Use Boarder/Room Mate to help Qualify Use Spare Room Rental Income to Qualify Minimum 620 Credit Score to Qualify Flexible Options with FAMILYReady Home Mortgage FAMILYReady Mortgage Loan Program If you answered YES! To any of the six options above? Then your ready for a FAMILYReady Home Mortgage! TM

* Disclaimer: All Loan programs, rates and terms can change without notice and are subject to credit and underwriting approval. Loan charts highlight min/max constraints, assumptions & random scenarios only. We will always work hard to approve your loan but there are no guarantees of any kind expressed or implied that any loan we be approved. Licensed in Florida Only © 2007 - 20211st Florida Lending Corp. - All rights reserved I Privacy Policy I Terms of Use I

THE NEW VA MORTGAGE LOAN ADVANTAGE

Here are 6 Reasons to Own 1. Build Equity 2. Tax Deduction Savings 3. Stabilize Monthly Payments 4. Maintenance Choices 5. No Pet Restrictions 6. Gain Sense of Community these are just to name a few.. WHY RENT ? WHEN YOU CAN OWN ? Discover the path to owning the home of your dreams We offer the largest selection of custom loan programs in Florida and can assist you with transitioning from renting a home to owning a home.. Zero Money Down Programs Available

SELF-EMPLOYED BANK STATEMENT LOAN PROGRAMS

We offer over 48 loan programs in every county in the State of Florida as follows; Alachua County,Baker County,Bay County,Bradford County,Brevard County,Broward County,Calhoun County,Charlotte County,Citrus County,Clay County,Collier County,Columbia County,DeSoto County,Dixie County,Duval County,Escambia County,Flagler County,Franklin County,Gadsden County,Gilchrist County,Glades County,Gulf County,Hamilton County,Hardee County,Hendry County,Hernando County,Highlands County,Hillsborough County,Holmes County,Indian River County,Jackson County,Jefferson County,Lafayette County,Lake County,Lee County,Leon County,Levy County,Liberty County,Madison County,Manatee County,Marion County,Martin County,Miami-Dade County,Monroe County,Nassau County,Okaloosa County,Okeechobee County,Orange County,Osceola County,Palm Beach County,Pasco County,Pinellas County,Polk County,Putnam County,Santa Rosa County,Sarasota County,Seminole County,St. Johns County,St. Lucie County,Sumter County,Suwannee County,Taylor County,Union County,Volusia County,Wakulla County,Walton County,Washington County

Aside from the Military outreach programs that we proudly support.

and much much more . . .

Close Some Loans in 15 Days We are VA, FHA and USDA Approved Lender We pay closing cost on FHA purchase & refinance Free Credit Analysis

2007 - 2021

OVER 48 LOAN PROGRAMS - MORE THAN ANY OTHER DIRECT LENDER IN THE STATE OF FLORIDA

Acquiring the professional services of a Realtor is very important when Buying or Selling a home. At 1st Florida

Lending Corp, we view our work with Realtors as a top priority. A good Realtor can make the mortgage process

move faster and with more efficiency as we make every effort to help Realtors succeed.

A GOOD REALTOR CAN MAKE THE MORTGAGE PROCESS MOVE FASTER AND WITH MORE EFFICIENCY !

Florida’s Top Rated DIRECT Lender I 48 Programs

WE ARE NOT RETAIL Brokers I  GET QUOTE

 800-655-1345 I CALL us 407-300-2558

CONVENTIONAL LOANS - 6 Programs Conventional - Purchase Conventional - Refinance Conventional - Cash-Out Refinance SELF-EMPLOYED LOANS - 14 Programs Covid-19 Relief Self-Employed Loans 12-Months Bank Statement Loans 24-Months Bank Statement Loans W-2 to 1099 Self-Employed FHA LOANS - 8 Programs FHA 96.5% LTV at 580 FICO FHA below 580 FICO - Temp Suspended FHA Refinance FHA 203K Streamline FHA 203K Renovations FHA 203H

VA LOAN PROGRAMS - 4 Program VA Purchase VA Streamline Refinance VA Jumbo Loans VA Streamline (IRRRL) USDA LOANS - 3 Programs USDA 100% LTV USDA Streamline USDA Home Improvement Loan NO-INCOME VERIFI LOANS - 9 Programs Commercial Investment Investment Purchase Investment Rental Cash Flow No Doc Loans BRIDGE LOANS

FOREIGN NATIONAL LOANS - 6 Programs Foreign National Stated Income Foreign National Full Documentation ITIN Non-US Citizen Loan REVERSE MORTGAGE LOAN - 3 Programs Single-purpose Reverse Mortgage Proprietary Reverse Mortgage Investment Reverse Mortgage SPECIALTY LOAN PROGRAMS Construction-to-Perm -Temp Suspended Family Ready Home Community Puerto Rico Borrower Loan Asset Depletion Loans Condotel Loans Land Only Loans

Over 48 loan programs Direct Lenders - No Retail Brokers Manually Underwrite Challenging Loans Same Day Loan Pre-Approval Letters

Why Choose Us?

Our Loan Match Wizard simply allows us to FIND AND QUOTE the best loan program match based on your answers to a few questions that takes less than 60 seconds

BEST OF ALL - WE DO NOT PULL YOUR CREDIT TO PROVIDE RATES

 !

our top RATED - most popular programs are Listed below for your review

100% LTV SUPER JUMBO LOANS

SELF-EMPLOYED LOANS

95% LTV JUMBO LOANS

FHA is our most popular loan option because it provides a more lenient credit and income requirements than other mortgages. FHA are the most forgiving of credit problems, and can be manually underwritten to stretch debt to income ratios for those who qualify.

Our Jumbo and Super Jumbo loans are ideal for home buyers looking for higher priced luxury homes. These loans are designed to simplify home buying in pricey markets by covering the full cost of the loan, so there is no need for borrowers to drain their cash reserves. STARTING RATES IN THE 3’S

We are Ranked #1 in the State of Florida with a 99 % closing rate for all Self Employed Bank Statement Loans offering more than 14 Programs even for the most challenging loan scenarios. We are Direct Lenders, not retail brokers there are no “retail broker fees” added. BUY DOWN RATES IN THE 3's *

Our Super Jumbo Loan program is an option for borrowers looking to finance the purchase of a home or investment property in a high-cost market. With loan amounts from $5 Million up to $30 million or more in some cases. Our Super Jumbo Loans offer competitive interest rates and flexible terms.

Our ITIN & DACA Loan program offers potential home ownership for the undocumented / foreign national borrower who lives and works in Florida as well as pays US taxes to the IRS with the ITIN Tax ID (instead of a Social Security number) to purchase a Primary Home

Our Foreign National Loans offer non-citizen residents who have the qualifications, resources, and motivation to purchase a second home, vacation home or investment property in the United States have helped propel domestic real estate markets in tough times.

85% LTV INVESTOR LOANS - NO INCOME AND NO EMPLOYMENT REQUIRED! Purchase or Refinance Investment Property with No Income or Employment Verification. Anyone can purchase or refinance an investment property with or without rental income. If there is no rental income . We qualify you based on the Appraisals Estimated Rental Income.

Commercial Ptate and Investment Property loans for most property types at very competitive rates with just the right terms with fast closing timelines to pay off an over-due note or to complete a purchase with a fast approaching deadline!

Asset Based Mortgage Loans is where you can leverage your asset to determine a qualifying monthly income to purchase a new home or refinance and existing home. Determining Qualifying Assets: Checking & Savings accounts, Money-market accounts, CDs, Publicly Traded Stocks, Bonds, Mutual funds, Trusts, IRAs and 401ks that have cash conversion liquidity

A Reverse Mortgage loan for homeowners over the age of 62 that can access a portion of the home’s equity and uses the home as collateral. The loan generally does not have to be repaid until the last surviving homeowner permanently moves out of the property or passes away.

Bridge Loans are great for Fix and Flips, Replacing Loan Denials or if you need quick cash There are no income or employment verification needed to qualify. Only an appraisal and source of funds to close with some reserves. This program does not require a credit score or investor experience

Our VA Loan as 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, these benefits allow substantial cost savings.

USDA is for financing qualifying properties in rural areas. USDA loans offer low interest rates and 100% financing. Never assume that you wont qualify. Contact our certified USDA loan officers who will quickly identify your needs, and offer you the type of expert advice you deserve

We close 80% of loans that are turned down by banks, nation wide lenders and local direct lenders alike...How? Simply stated, most lending institutions are not willing to spend the time or resources to approve borrowers whose profile does not meet the industry matrix criteria. The good news is that we do!

Dont Panic - Refinance Today with Super Low Interest Rates Some of the Benefits  LOWER RATE - LOWER PAYMENTS  REDUCE OR INCREASE LOAN TERM  CASH-OUT  CONSOLIDATE DEBT  CHANGE LOAN PROGRAM  STOP FHA FORECLOSURE  ELIMINATE MORTGAGE INSURANCE  MOVE FROM ARM TO FIXED RATE  TO GO FULLY AMORTIZED  SKIP MORTGAGE PAYMENT  FHA & VA NO INCOME DOC PROGRAM

 Low Rates for SUPER JUMBO LOANS Loans from 5 Million to 35 Million NEW!

 1 Year Fix and Flip Bridge Program No Prepay Penalty - Rates from the 8’s NEW!

 All-Inclusive Property Acquisitions No Income or Employment Verification NEW!

1st Florida Lending Corp., a registered Mortgage Lender Orlando servicing only the State of Florida, offering over 48 loans programs

including Conventional Loans, Non-Conforming Loans, FHA Loans, VA Loans, USDA Loan, Self-Employed Loans, Bank Statement

Loans, No-Doc Loans, Reverse Mortgage Loans, ITIN Loans, Rental Investment Loans, to name a few and specializing in Bank

Statement Loans or “stated loans” requiring no Tax Return verification and much more. * No broker or lender fees are for FHA,VA, USDA

and Conventional loan types Main Office: 2151 Consulate Dr. * Suite 8 * Orlando, FL., 32837 * Telephone (800) 655-1345 * (407)

300-2558 * Fax (877) 401-9955We are approved lenders for all Government Loans and registered with the Florida Office of Financial

Regulation - # MLD106When Banks Say No ! We Say YES ! ® is a registered trademark owned by 1st Florida Lending Corp.

1st Florida Lending's Certified Loan Pre-Approval Letter is the gold standard. Unlike others, we review and validate the borrowers credit and finances which is a critical component in backing up the borrowers loan amount as well as showing the seller and/or seller's agent that the borrower is a serious, pre-qualified buyer Certified Loan Pre-Approval Letter

When Banks Say No! We Say Yes! YOUR LOAN PROGRAM ! YOUR RATE ! YOUR TERMS!

The 1st Florida Lending Promise At 1st Florida Lending we want to help you confidently choose the best mortgage and save money. To do that, you need a team that has one priority - that is YOU ! * A Florida Direct Lender that Cares * * The Team with a Heart to Truly Help * * We Take Trouble Out of the Equation *

Foreign National Stated Loans 25% Down Payment

Most to assume that you are good-to-go with getting a conventional mortgage loan that conforms to all of today’s lending standards and guidelines. Think again. Many times, once we review a borrowers credit history and financials’. They could actually be a candidate for a non- conforming loan and do not even realize it. More importantly, there is a significant difference between a conforming and non-conforming loan.

if you are a prospective home buyer and curious about whether they would qualify for a conforming or non-conforming loan. Let us help guide them to shed some light on this sometimes confusing and complicated mortgage term.

Starting in the 5’s NO-DOC LOAN RATES JUST WENT DOWN NO VERIFICATION OF INCOME NO VERIFICATION OF EMPLOYMENT LENDING CRITERIA PLAN 1W - NEW PLAN 2C PLAN 3V TRUE NO DOC LOAN Starting Rates High 5's * High 7's * Mid 7’s to 8’s * Start 9‘s ARM* Maximum LTV up to 80% up to 75% up to 75% up to 60% FICO Score Required Yes - Min 640 Yes - Min 640 Yes - Min 640 NONE Minimum Loan Amount $250,000.00 $200,000.00 $150,000.00 $150,000.00 Maximum Loan Amount 2 Million 2 Million 5 Million 1 Million Loan Terms 5 yr ARM to 30yr fix 1-4 yrs ARM only 3 to 8yr fixed 5 yrs ARM only Cash-Out Refinancing YES YES YES YES New Appraisal Required YES YES YES YES Employment Verification NO NO NO NO Income Documentation NO NO NO NO Tax Returns NO NO NO NO Pre-Pay Penalties YES YES YES YES Mortgage Insurance NO NO NO NO Gift Funds Allowed Allowed Allowed Allowed Reserves Required YES YES YES YES Property Types Single Family, Multi-Family and Condominiums Loan Consolidation Up to 10 properties * The starting rate indicators based on LTV selected and property type/use PLEASE NOTE THAT THESE PROGRAMS ARE FOR NON-OWNER OCCUPIED PROPERTIES ONLY Starting in the 5’s

Foreign National Stated Loans 25% Down