CARLOS MATOS - CHAIRMAN
No Doc Funding Programs
NO INCOME OR EMPLOYMENT VERIFICATION
Which No Doc Loan Program Meets Your Criteria?
6. No Doc Rehab Bridge Loans:
7. No Doc Stated Mortgage Funding:
8. Low Doc Asset Depletion Loans:
9. Self-Employed Stated Loans:
NEW Self-Employed Stated Second Mortgage
1. No Doc Investment Loans:
2. Low Doc DSCR Rental Investment Loans:
3. No Doc Commercial Property Loans:
4. No Doc (Hard Money) Loans:
5. No Doc Fix and Flip Bridge Loans:
Florida’s Best Direct Mortgage Lender
Perfect A+ Rating Score by the Better Business Bureau
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
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.
CARLOS MATOS - CHAIRMAN
A + Rated by the BBB
Fast Approvals / Low Rates
No Down Payment FHA purchase
We Streamline you Loan
2007 - 2023
OVER 48 LOAN PROGRAMS - MORE THAN ANY OTHER DIRECT LENDER IN THE STATE OF FLORIDA
Over 48 loan programs
We are Direct Mortgage Lenders
Manually Underwrite Challenging Loans
Same Day Loan Pre-Approval Letters
Why Choose Us?
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 non-owner occupied Investment Property
Loan programs including No Income Verification, Self-Employed, Full Doc, No-Doc and Stated
Income for any property type and financial situation.
Asset Depletion Loans are based on a calculation of a
borrower's liquid assets to determine a qualifying monthly
income to service the Mortgage. Assets include checking,
savings, 401k, pensions, stocks and other investments etc.
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
Our Jumbo Home Loans are ideal for home buyers
looking for higher priced luxury homes. These loans are
designed to simplify home buying in pricey markets without
the need for borrowers to drain their cash reserves.
Real Estate Investment Loans can be a long-term or a
short-term endeavor. The needs of real estate investors
are different from the needs of a typical home buyer. We
make it easy to obtain funding with or without income.
We offer(6) No Documentation Funding Loan program
options for Primary/Second homes and Investment &
Commercial Properties. These options can be helpful for
borrowers who may not have the traditional documentation
Our New VA Home 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.
USDA is for financing qualifying properties in rural areas.
USDA loans offer low interest rates and 100% financing.
Never assume that you wont qualify. We will identify your
needs, and offer you the type of expert advice you deserve
A Vacant Land Loan is a specialized type of loan used to
finance the purchase of undeveloped land or a vacant lot.
Home loans, are intended for buying a home, a land loan is
specifically designed for acquiring raw land.
Construction-to-permanent loans aka (One-Time
Closing) and ground-up construction loans are two
different types of financing options
One-Time Closing (aka Construction to Perm)
A one-time closing construction loan seamlessly integrates construction financing with permanent mortgage financing into a single
loan. This unique loan structure involves a single closing transaction prior to the commencement of construction, during which a
consolidated set of fees and closing costs are collected from the Borrower. Upon the completion of construction, the loan
automatically transitions into a permanent mortgage. At this point, the Borrower will commence making traditional principal and
interest payments, which may also include an escrow payment for taxes and insurance, if necessary.
1st Florida Lending offers a variety of loan options to make it easy for you to select the product best for you and your builder and
limited to Conventional, FHA and USDA loan programs.
The Newly Updated Florida Hometown Heroes
Housing Program is now available to all First
Time Home Buyers, not just community workers
while funds are available! Those who qualify, can
receive up to 5% of their home loan amount (capped at
$35,000) in down payment and closing cost assistance. It can
be paired with additional assistance programs to maximize
amount of received assistance. Down payment and closing
cost assistance is available in the form of a 0% interest, non-
amortizing, 30-year repayable second mortgage. This second
mortgage becomes due and payable in full upon sale of the
property, refinancing of the first mortgage. This loan is not
forgivable.