CARLOS MATOS - CHAIRMAN

STILL HAVE A QUESTION? PLEASE CALL US AT 800-655-1345 OR SEND TEXT TO 407-300-2558

CONSTRUCTION-TO-PERM LOAN

Bring your vision to life with a Single

Construction-to-Permanent Loan Program!

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

1st Florida Lending Corp., a registered Mortgage Lender Orlando servicing all 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) 401-9955 We are approved lenders for all Government Loans and registered with the Florida Office of Financial Regulation - # MLD106 When Banks Say No ! We Say YES ! ® is a registered trademark owned by 1st Florida Lending Corp.

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 550 + • Disabled Veterans pay no Property Tax in Florida

PURCHASE YOUR HOME WITH JUST 1% DOWN

VA LOAN PROGRAMS

WE ARE EXCITED TO PRESENT OUR NEW CONVENTIONAL 1% DOWN WITH EQUITY PLUS LOAN PROGRAM You simply put down 1%, and we (Lender) 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

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

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

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

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.

Unlike most other lenders, we are willing to roll up our sleeves to approve the most challenging loans, no matter how complex. More importantly, our team of loan professional will always treat you with respect, professionalism an offer excellent customer service. Carlos Matos - Founder / 1st FLorida Lending Corp

Full Doc Program Guidelines • Maximum loan amount $7,000,000 • up to 95% LTV / with very low rates • No MI & Pre- Payment Penalty

Self-Employed - 24 month Bank Statement • Maximum loan amount $7,000,000 • up to 90% LTV / Rates starting in the 4's • No MI & Pre- Payment Penalty

SELF-EMPLOYED BANK STATEMENT LOAN PROGRAMS

Starting in the 5’s

With our no-documentation loans for NON-OWNER OCCUPIED PROPERTIES, there is no employment or income verification needed to qualify. Only an appraisal, source of funds to close, reserves and credit report depending on the plan selected Closing time lines ranges between 10 to 14 days

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

Most home buyers with all of there ducks in a row, it’s not far fetched to assume that you’re 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 don’t even realize it. More importantly, there is a significant differences 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.

How can an ITIN ID and DACA Program Help You? Breaking Down Barriers to Home ownership for the UNDOCUMENTED / FOREIGN NATIONAL who lives and work in FLORIDA. 1st Florida Lending offers an affordable ITIN ID home loans that allows potential home owners with a vaild passport in there country of origin & ITIN ID (instead of a Social Security number) to purchase a Primary Home CLICK HERE TO LEARN MORE

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 your loan we be approved. © 2007 - 2019 1st Florida Lending Corp. - All rights reserved I Privacy Policy I Terms of Use I

Welcome to 1st Florida Lending - Florida’s Top Rated Mortgage Lender

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

Buying a home in today’s market can be competitive. The question is how can you stand out from the crowd of other home buyers?

More importantly. What if you could be fully approved before selecting a home? Well now they can with our new program called Get Fully Approved – Before you Move Program! This is not a pre- qualification or pre-approval. But rather a fully underwritten loan approval in your hand and ready to go! Get Fully Approved – Before you Move Program! Allows home buyers to shop for a home having the confidence to make an offer knowing that your loan has already been fully approved by underwriting. With this in hand will position home buyers far ahead of the crowd of competing home buyers for the sellers consideration to close the deal.

Aside from the Military outreach programs that we proudly support.

YOUR LOAN PROGRAM ! YOUR MORTGAGE RATE ! YOUR TERMS!

Simply State your Income and verify Self- Employment for two years - With No Income Verification! Unlike our Stated Income / Non-Owner Occupied Property Loans or No-Doc Loans which are available to any borrower willing to provide evidence of funds-to- close, is restricted to investment and rental properties. Our Stated-Income Loan Program is for "OWNER- OCCUPIED PROPERTIES" being the “KEY WORD”, and only available to Self-Employed Borrowers who have established a good credit history

Conforming Loans Conventional, FHA, VA, USDA, etc. with rates when purchasing, refinancing or cash-out REQUEST QUOTE >

Non-Conforming Loans Jumbo, Foreign National, No-Doc, Cash Flow, Asset Depletion, Stated Loans REQUEST QUOTE >

95% LTV Loans for Self-Employed 12-Month bank statement programs with low rates starting in the high 4’s REQUEST QUOTE >

and much much more . . .

Close Some Loans in 10 Days We are VA, FHA and USDA Approved Lender We pay closing cost on FHA purchase & refinance Free Credit Analysis

2007 - 2019

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

Lets us Pay your Closing Cost on your FHA Purchase or Refinance ! All you need is a 620 Fico score! It’s just that simple ! No Sales Gimmicks. Let us save you thousands in closing costs

Not Sure What Loan Program Works Best for YOU ?

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 !

Investment (non-owner Occupied Rental Income • Maximum loan amount $15,000,000 • up to 75% LTV / Rates starting (request quote) • No MI & Pre- Payment Penalty • Close in 10 to 12 days

All that is needed once a home is selected is the property address, followed by the executed contract and certified appraisal to clear the final conditions and receive a clear-to-close.

Florida’s Top Rated Mortgage Lender I We are Not Brokers

Over 48 Programs I No Brokers Fees I No Lender Fees

For Loan Inquires Call (800)655-1345

CONVENTIONAL LOAN PROGRAMS Conventional 95% LTV Conventional 97% LTV Conventional 99% LTV SELF-EMPLOYED LOAN PROGRAMS 1-Month Bank Statement 12-Months Bank Statement Loans 24-Months Bank Statement Loans W-2 to 1099 Self-Employed FHA FHA 96.5% LTV FHA 100% Financing FHA Refinance FHA 203K Streamline FHA 203K Renovations FHA 203H

VA LOAN PROGRAMS VA Purchase VA Streamline Refinance VA Jumbo Loans VA Streamline (IRRRL) USDA LOAN PROGRAMS USDA 100% LTV USDA Streamline USDA Home Improvement Loan NO-INCOME VERIFICATION PROGRAMS Commercial Investment Investment Purchase Investment Rental Cash Flow No Doc Loans Hard Money

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

Over 48 loan programs Direct Lenders - Not Brokers Manually Underwrite Challenging Loans Same Day Loan Pre-Approval Letters

Why Choose Us?

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

BEST OF ALL - WE DO NOT PULL YOUR CREDIT TO PROVIDE YOU A SUMMARY