CARLOS MATOS - CHAIRMAN

800-655-1345 LEARN MORE FOREIGN NATIONAL LOANS

800-655-1345 LEARN MORE COMMERCIAL PROPERTY LOANS

800-655-1345 LEARN MORE reAL ESTATE INVESTMENT LOANS

800-655-1345 LEARN MORE ASSET DEPLETION LOANS

800-655-1345 LEARN MORE reverse mortgage LOANS

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 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

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.

SELF-EMPLOYED BANK STATEMENT LOAN PROGRAMS

Starting in the 5’s

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.

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

800-655-1345 LEARN MORE BRIDGE LOANS - SHORT TERM no credit, income or FINANCIALS required LOW rates FOR residential AND commercial

800-655-1345 LEARN MORE STATED INCOME SELF-EMPLOYED

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

When Banks Say No! We Say Yes!

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!

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

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 !

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

48 Programs I No RETAIL Brokers Fees I  GET QUOTE

 800-655-1345 I ALL LOAN INQUIRIES CALL 407-300-2558

CONVENTIONAL LOAN PROGRAMS Conventional - Purchases Conventional - Refinance Conventional - Cash-Out Refinance 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 BRIDGE LOANS

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 - 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 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 RATES

 !

our top 14 most popular programs are Listed below for your review

800-655-1345 LEARN MORE ITIN and DACA LOANS

800-655-1345 LEARN MORE REFINANCING + CASH-OUT

800-655-1345 LEARN MORE SELF-EMPLOYED LOANS

800-655-1345 LEARN MORE JUMBO + SUPER JUMBO

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.

We simply use your Bank Statement Deposits to Establish a Monthly Qualifying Income. These programs are available to business owners, DBA's and 1099 independent contractors and processed by our highly experienced originators providing fast funding commitments.

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 with a min FICO score of 650, and have established and maintained an excellent credit and payment history. Simply state your Income on our loan application and verify self-employment for two years. This program is for primary home purchases and refinance.

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.

Real Estate Investment Loans can be a long-term or a short- term endeavor and the needs of real estate investors are different from the needs of a typical home buyer. At 1st Florida Lending we understand investment financing and make it easy to obtain funding using different sources of 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.

Our BRIDGE LOANS are available for non-owner occupied properties only! There is No Income and No Employment Verification needed to qualify. Only an appraisal, source of funds to close. Some program 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