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

HARD MONEY LOANS PROPERTY TYPES • Day Care Centers • Retail Shopping Center • Medical Offices • Warehouses • Vacant Land • Construction • Apartment Buildings • Commercial Property and many more property types  24 Hour Loan Commitment  Rates start in the 9’s  Close in 7 to 10 Days

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.

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 !

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

2007 - 2025

OVER 48 LOAN PROGRAMS - MORE THAN ANY OTHER DIRECT LENDER IN THE STATE OF FLORIDA

48 + loan programs w/ 100’s of Scenario’s 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 >

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.

VOE LOANS ONLY VERIFICATION OF EMPLOYMENT REQUIRED TO PURCHASE YOUR HOME NO TAX RETURNS NO PAYSTUBS NO W2’s QUICK QUOTE >

BANK STATEMENT LOANS 90% LTV PRIMARY PURCHASE  12 or 24 MONTHS BANK DEPOSITS  NO TAX RETURNS REQUIRED  NO MORTGAGE INSURANCE  620 FICO FOR SOME PROGRAMS  MULTIPLE ACCOUNTS PERMITTED  LOW RATES BUY DOWN OPTIONS  CO-BORROWERS CAN USE ALTERNATIVE INCOME LIKE W2, SOCIAL SECURITY AND RENTAL

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%

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 640 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 640  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!

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

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 >

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.

Stated Mortgage Home Loan Program No Income or Employment Required to Purchase or Refinance for a Primary or Second Home CLICK LEARN MORE >

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.

As of July 1, 2025, Funding for the Florida Hometown Heroes Down Payment Assistance including the fallout funds has been re-funded in Florida The First Time Home Buyers, is not just community workers while funds are available! For those borrowers 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. There is also a $10,000 grant minimum for loans of $200,000 or less

Conventional Loan Primary,Second or Investment • 95% LTV • 93% LTV for First Time Homebuyers LEARN MORE >

REAL ESTATE INVESTMENT LOAN PROGRAM Only 15% Down Payment INVEST 15