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) 401-9955We are approved lenders for all Government Loans and registered with the Florida Office of Financial Regulation - # MLD106When Banks Say No ! We Say YES ! ® is a registered trademark owned by 1st Florida Lending Corp.
THE NEW VA MORTGAGE ADVANTAGEA 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
WEAREEXCITEDTOPRESENTOURNEWCONVENTIONAL1%DOWNWITHEQUITY PLUS LOANPROGRAMYou simply put down 1%, and we (Lender) contribute 2%*, giving you 3% equity at closingGreat low ratesClose in 30 days or lessConventional 30-year fixed programAvailable 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
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 loanand 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.
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.
YOURLOANPROGRAM!YOURMORTGAGE RATE ! YOURTERMS!
and much much more . . .
Close Some Loans in 10 DaysWe are VA, FHA and USDA Approved LenderWe 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
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
800-655-1345 I ALL LOAN INQUIRIES CALL 407-300-2558
Over 48 loan programsDirect Lenders - No Retail BrokersManually Underwrite Challenging LoansSame Day Loan Pre-Approval Letters
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
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 No-Doc, Hard Money Loans are available for non-owner occupied properties only! There are no income, employment or financial verification needed to qualify. Only an appraisal, source of funds to close and reserves. 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