CARLOS MATOS - CHAIRMAN
CARLOS MATOS - CHAIRMAN
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.
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
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
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 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.
SELF-EMPLOYED BANK STATEMENT LOAN PROGRAMS
Starting in the 5’s
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.
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 - 2020 1st Florida Lending Corp. - All rights reserved I Privacy Policy I Terms of Use I
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
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 - 2020
When Banks Say No! We Say Yes!
YOUR LOAN PROGRAM ! YOUR RATE ! YOUR TERMS!
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.
Florida’s Top Rated Mortgage Lender I We are Not Brokers
48 Programs I No RETAIL Brokers Fees I GET QUOTE
800-655-1345 I ALL LOAN INQUIRIES CALL 407-300-2558
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 14 most popular programs are Listed below for your review
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. 100% Financing is available
Our Jumbo land 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. UPDATE! RATES IN THE 3’S
We simply use your Bank Statement Deposits to establish a
monthly qualifying Income. These programs are available to
personal contractors, business owners, DBA's and processed by
our highly experienced originators UPDATE! NEW COVID-19
RELIEF SELF-EMPLOYED BANK STATEMENT LOAN PROGRAM
ONLY 3 MONTHS OF BANK STATEMENTS REQUIRED
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.
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
Available for self-employed borrowers (not business entities)
with a min FICO score of 740. Must have established and
maintained an excellent credit, payment and banking history.
Simply state your Income on loan application and verify self-
employment for two years. For primary home purchases only
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.
OUR NEW ! ALL-INCLUSIVE RENTAL INVESTMENT PROPERTY
ACQUISITION LOAN. Purchase or Refinance Rental Property
with No Income or Employment Verification. Anyone can
purchase or refinance rental investment property based on
rental income only. If there is no rental income. Qualify based
on the Appraisal Estimated Rental Income.
We offer a full range of Commercial Real Estate 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 depletion is a calculation of a borrower's liquid assets to
determine a qualifying monthly income to service the loan
amount. Liquid assets generally include checking, savings, 401k,
pensions, stocks and other investments etc. that could easily
liquidated or turned into cash.
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.
Hard Money Bridge Loans are great for Fix and Flips, Rental
Property, 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.
Closing time lines ranges between 10 to 14 days
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
ASKED YOURSELF THESE 2 QUESTIONS
1.
Have you been Self-Employed for 2 years?
2.
Has COVID-19 Impacted your Business / Income?
If Yes! We now offer a new COVID-19 RELIEF bank statement program that only requires review of your last
3 months banking statement history and income! We do not look at any banking irregularities like,
reduced income shock, non-sufficient funds etc..prior to your most recent 3 months.
NEW COVID-19 RELIEF SELF-EMPLOYED BANK STATEMENT LOAN PROGRAM: