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:
Click for the BBB Business Review of this Mortgage Lender in Orlando FL
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 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 Aside from the Military outreach programs that we proudly support. 
and much much more . . .
Carlos Matos I Florida Direct Lenders

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.

CLICK TO READ MORE  > A GOOD REALTOR CAN MAKE THE MORTGAGE PROCESS MOVE FASTER AND WITH MORE EFFICIENCY !
1st Florida Lending
CONVENTIONAL LOANS - 6 Programs Conventional - Purchase  Conventional - Refinance Conventional - Cash-Out Refinance SELF-EMPLOYED LOANS - 14 Programs 1 to 3 Months Bank Statement 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 FHA Refinance FHA 203K Streamline  100% CLTV FHA Loans 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 VERIFY LOANS - 9 Programs   Commercial Investment Investment Purchase Investment Rental   Bridge Loans STATED MORTGAGE LOANS FOREIGN NATIONAL LOANS - 6 Programs 80% LTV 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 - IS BACK !   Family Ready  Home Community  Asset Depletion Loans  Vacant Land  Condotel Loans
CARLOS MATOS - CHAIRMAN
A + Rated by the BBB Fast Approvals / Low Rates No Down Payment FHA purchase We Streamline you Loan
SUPER LENDER
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?
WE ARE THE REVERSE MORTGAGE PROFESSIONALS  Getting the most our of Retirement with a Reverse Mortgage !  •	Get Rid of Mortgage Payments •	Purchase a new home •	Make Retirement Funds Last Longer •	Home Modifications for Safe Aging Travel •	Gifts for Grandchildren  •	Funds for Health Care •	Payoff Debts •	Buy a New Car or Motor Home •	Move closer to family  •	Receive a monthly stipend for Life CLICK LEARN MORE  > CLICK LEARN MORE  > 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. Our most popular loan programs are listed below for your review Carlos Matos  CEO &FOUNDER
CLICK LEARN MORE  > VOE LOANS ONLY VERIFICATION OF EMPLOYMENT REQUIRED TO PURCHASE YOUR HOME NO TAX RETURNS  NO PAYSTUBS NO W2’s  QUICK QUOTE > REQUEST A QUOTE > CLICK LEARN MORE  > SELF-EMPLOYED 90% LTV PRIMARY PURCHASE 	12 MONTHS BANK DEPOSITS 	NO TAX RETURNS REQUIRED 	NO MORTGAGE INSURANCE  	600 FICO FOR SOME PROGRAMS 	MULTIPLE ACCOUNTS PERMITTED 	LOW RATES BUY DOWN OPTIONS 	CO-BORROWERS CAN USE ALTERNATIVE INCOME LIKE W2, SOCIAL SECURITY AND RENTAL REQUEST A QUOTE > CLICK LEARN MORE  > STATED MORTGAGE    80% LTV PRIMARY PURCHASE 	NO INCOME VERIFICATION 	NO EMPLOYMENT VERIFICATION 	NO DEBT TO INCOME RATIOS  	NO TAX RETURNS 	MIN 640 FICO SCORE 	PRIMARY OR SECOND HOMES ONLY 	NO INVESTMENT PROPERTIES 	30 YR FIXED AND 1/6 ARM TERMS 	SELLER CREDIT UP TO 6% REQUEST A QUOTE > CLICK LEARN MORE  > ASSET MORTGAGE  80% LTV PRIMARY PURCHASE 	NO INCOME VERIFICATION 	NO EMPLOYMENT VERIFICATION 	NO TAX RETURNS 	MIN 640 FICO SCORE 	YOUR ASSETS ARE UTILIZED TO ESTABLISH A MONTHLY INCOME TO PURCHASES OR REFINANCE YOUR PRIMARY HOME, SECOND HOME OR INVESTMENT PROPERTY DPA FHA LOAN   DOWN PAYMENT ASSISTANCE  	96.5% LTV WITH 600 FICO 	PRIMARY HOME PURCHASE ONLY 	NO INVESTMENT PROPERTIES 	MANUFACTURED ELIGIBLE 	MUST BE A FIRST TIME HOME BUYER  	DPA COUNSELING REQUIRED 	SELLER CREDIT UP TO 6%   	NO RESERVE REQUIREMENTS 	FAST APPROVALS FHA LOAN 3.5% DOWN PAYMENT  	96.5% LTV WITH 580 FICO 	90% LTV WITH 550 FICO 	PRIMARY HOME PURCHASE & REFI’S  	NO INVESTMENT PROPERTIES 	MANUFACTURED ELIGIBLE 	GIFTS FOR CLOSING COSTS OK! 	SELLER CREDIT UP TO 6%   	NO RESERVE REQUIREMENTS 	FAST APPROVALS MAX FHA LOAN  ZERO DOWN PAYMENT FHA 	MINIMUM FICO SCORE IS 600 	PRIMARY HOME PURCHASES ONLY 	NO INVESTMENT PROPERTIES 	SELLER CREDIT UP TO 6%   	FHA FIRST WITH A SUBORDINATE FINANCING FOR THE SECOND TO ACHIEVE 100% CLTV 	YOU DO NOT HAVE TO BE A FIRST TIME HOME BUYER! 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   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 REQUEST A QUOTE > CLICK LEARN MORE  > REQUEST A QUOTE > CLICK LEARN MORE  > REQUEST A LOAN PRE-APPRVOAL  LETTER> 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 REQUEST A QUOTE > CLICK LEARN MORE  > REQUEST A QUOTE > CLICK LEARN MORE  > REQUEST A QUOTE > CLICK LEARN MORE  > VOE MORTGAGE 85% LTV PRIMARY PURCHASE 	NO TAX RETURNS REQUIRED 	NO W2'S REQUIRED 	NO PAY STUBS REQUIRED 	CREDIT SCORE AS LOW AS 620 	UP TO 85% LTV PRIMARY PURCHASE 	$150,000 UP TO $5 MILLION 	100% USE OF GIFT FUNDS 	VERIFICATION OF 2 YEARS EMPLOYMENT ITIN & DACA LOANS  90% LTV PRIMARY PURCHASE 	W2  OR SELF-EMPLOYED INCOME   	90% LTV w/  740 ++  CREDIT 	85% LTV w/ MIN 700 CREDIT 	80% LTV w/ 660 TO 719 CREDIT 	75% LTV IF NO CREDIT 	NEW PURCHASES AND REFI’S 	NO PRE-PAYMENT PENALTIES 	NO MORTGAGE INSURANCE 	PRIMARY / SECOND HOMES ONLY FOREIGN NATIONAL    75% LTV PRIMARY PURCHASE 	$200K UP TO $4 MILLION 	RATES START IN THE HIGH 4'S 	75% LTV PURCHASES  	65% LTV REFINANCING 	VACATION OR RENTAL PROPERTY OK 	30 YEAR FIXED AND 7/1 ARM TERMS 	NO INCOME VERIFICATION OPTION 	NO CREDIT SCORE OPTION 	NO RESERVES IN MOST LOANS
Florida’s Top Rated Direct Mortgage Lender with  A+ BBB Rating We Offer More Than 48 Loan Programs  800-655-1345  I  Call or Text us at 407-300-2558 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 SELF-EMPLOYED BANK STATEMENT LOAN PROGRAMS We are Ranked #1 in the State of Florida with a 99 % closing rate for Self Employed Bank Statement Loans  With offer over 14 programs it is fast 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  CLICK HERE TO LEARN MORE   >
© 2007 - 2023 1st Florida Lending Corp. - All rights reserved I Privacy Policy I Terms of Use I
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.
Carlos Matos  CEO &FOUNDER Stated Mortgage Home Loan Program No Income or Employment Required to Purchase or Refinance for a Primary or Second Home  CLICK LEARN MORE  > VOE LOANS ONLY VERIFICATION OF EMPLOYMENT REQUIRED TO PURCHASE YOUR HOME NO TAX RETURNS  NO PAYSTUBS NO W2’s  QUICK QUOTE > REQUEST A QUOTE > CLICK LEARN MORE  > SELF-EMPLOYED 90% LTV PRIMARY PURCHASE 	12 MONTHS BANK DEPOSITS 	NO TAX RETURNS REQUIRED 	NO MORTGAGE INSURANCE  	600 FICO FOR SOME PROGRAMS 	MULTIPLE ACCOUNTS PERMITTED 	LOW RATES BUY DOWN OPTIONS 	CO-BORROWERS CAN USE ALTERNATIVE INCOME LIKE W2, SOCIAL SECURITY AND RENTAL REQUEST A QUOTE > CLICK LEARN MORE  > STATED MORTGAGE    80% LTV PRIMARY PURCHASE 	NO INCOME VERIFICATION 	NO EMPLOYMENT VERIFICATION 	NO DEBT TO INCOME RATIOS  	NO TAX RETURNS 	MIN 640 FICO SCORE 	PRIMARY OR SECOND HOMES ONLY 	NO INVESTMENT PROPERTIES 	30 YR FIXED AND 1/6 ARM TERMS 	SELLER CREDIT UP TO 6% REQUEST A QUOTE > CLICK LEARN MORE  > ASSET MORTGAGE  80% LTV PRIMARY PURCHASE 	NO INCOME VERIFICATION 	NO EMPLOYMENT VERIFICATION 	NO TAX RETURNS 	MIN 640 FICO SCORE 	YOUR ASSETS ARE UTILIZED TO ESTABLISH A MONTHLY INCOME TO PURCHASES OR REFINANCE YOUR PRIMARY HOME, SECOND HOME OR INVESTMENT PROPERTY DPA FHA LOAN   DOWN PAYMENT ASSISTANCE  	96.5% LTV WITH 600 FICO 	PRIMARY HOME PURCHASE ONLY 	NO INVESTMENT PROPERTIES 	MANUFACTURED ELIGIBLE 	MUST BE A FIRST TIME HOME BUYER  	DPA COUNSELING REQUIRED 	SELLER CREDIT UP TO 6%   	NO RESERVE REQUIREMENTS 	FAST APPROVALS FHA LOAN 3.5% DOWN PAYMENT  	96.5% LTV WITH 580 FICO 	90% LTV WITH 550 FICO 	PRIMARY HOME PURCHASE & REFI’S  	NO INVESTMENT PROPERTIES 	MANUFACTURED ELIGIBLE 	GIFTS FOR CLOSING COSTS OK! 	SELLER CREDIT UP TO 6%   	NO RESERVE REQUIREMENTS 	FAST APPROVALS MAX FHA LOAN  ZERO DOWN PAYMENT FHA 	MINIMUM FICO SCORE IS 600 	PRIMARY HOME PURCHASES ONLY 	NO INVESTMENT PROPERTIES 	SELLER CREDIT UP TO 6%   	FHA FIRST WITH A SUBORDINATE FINANCING FOR THE SECOND TO ACHIEVE 100% CLTV 	YOU DO NOT HAVE TO BE A FIRST TIME HOME BUYER! 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   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 REQUEST A QUOTE > CLICK LEARN MORE  > REQUEST A QUOTE > CLICK LEARN MORE  > REQUEST A LOAN PRE-APPRVOAL  LETTER> 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 REQUEST A QUOTE > CLICK LEARN MORE  > REQUEST A QUOTE > CLICK LEARN MORE  > REQUEST A QUOTE > CLICK LEARN MORE  > VOE MORTGAGE 85% LTV PRIMARY PURCHASE 	NO TAX RETURNS REQUIRED 	NO W2'S REQUIRED 	NO PAY STUBS REQUIRED 	CREDIT SCORE AS LOW AS 620 	UP TO 85% LTV PRIMARY PURCHASE 	$150,000 UP TO $5 MILLION 	100% USE OF GIFT FUNDS 	VERIFICATION OF 2 YEARS EMPLOYMENT ITIN & DACA LOANS  90% LTV PRIMARY PURCHASE 	W2  OR SELF-EMPLOYED INCOME   	90% LTV w/  740 ++  CREDIT 	85% LTV w/ MIN 700 CREDIT 	80% LTV w/ 660 TO 719 CREDIT 	75% LTV IF NO CREDIT 	NEW PURCHASES AND REFI’S 	NO PRE-PAYMENT PENALTIES 	NO MORTGAGE INSURANCE 	PRIMARY / SECOND HOMES ONLY FOREIGN NATIONAL    75% LTV PRIMARY PURCHASE 	$200K UP TO $4 MILLION 	RATES START IN THE HIGH 4'S 	75% LTV PURCHASES  	65% LTV REFINANCING 	VACATION OR RENTAL PROPERTY OK 	30 YEAR FIXED AND 7/1 ARM TERMS 	NO INCOME VERIFICATION OPTION 	NO CREDIT SCORE OPTION 	NO RESERVES IN MOST LOANS
Florida’s Top Rated Direct Mortgage Lender with  A+ BBB Rating We Offer More Than 48 Loan Programs  800-655-1345  I  Call or Text us at 407-300-2558
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
SELF-EMPLOYED BANK STATEMENT LOAN PROGRAMS We are Ranked #1 in the State of Florida with a 99 % closing rate for Self Employed Bank Statement Loans  With offer over 14 programs it is fast 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  CLICK HERE TO LEARN MORE   >
© 2007 - 2023 1st Florida Lending Corp. - All rights reserved I Privacy Policy I Terms of Use I
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
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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.
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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.
CLICK LEARN MORE  > CLICK LEARN MORE  > REQUEST A QUOTE  >
The Florida Hometown Heroes Housing Program helps eligible frontline workers achieve affordable homeownership. This program supports a variety of essential occupations, including:Veterans, Active-Duty Military, and surviving spouses of deceased veterans, Teachers. Sworn Law Enforcement Officers and recruitments bonus programm, Child Care Operators, Daycare Instructors, Paramedics, EMTs, 911 Public Safety Operators, and Firefighters, Registered Nurses, LPNs, CNAs, Home Health Aides, and Health Care Practitioners, Correctional and Probational Officers, Juvenile Detention and Probation Officers none of which have to be a first time home-buyers