CARLOS MATOS - CHAIRMAN
COMMERCIAL PROPERTY LOANS
reverse mortgage LOANS
CARLOS MATOS - CHAIRMAN
Stated Income Primary Home 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
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
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.
* 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 any loan we be approved. Licensed in Florida Only
© 2007 - 20211st Florida Lending Corp. - All rights reserved I Privacy Policy I Terms of Use I
THE NEW VA MORTGAGE LOAN ADVANTAGE
SELF-EMPLOYED BANK STATEMENT LOAN PROGRAMS
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 15 Days
We are VA, FHA and USDA Approved Lender
We pay closing cost on FHA purchase & refinance
Free Credit Analysis
2007 - 2021
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 DIRECT Lender I 48 Programs
800-655-1345 I CALL us 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 RATED - most popular programs are Listed below for your review
100% LTV SUPER JUMBO LOANS
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.
Our Jumbo and 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. STARTING RATES IN THE 3’S
We are Ranked #1 in the State of Florida with a 99 % closing
rate for all Self Employed Bank Statement Loans offering
more than 14 Programs even for the most challenging loan
scenarios. We are Direct Lenders, not retail brokers there are no
“retail broker fees” added. BUY DOWN RATES IN THE 3's *
Our Super Jumbo Loan program is an option for borrowers
looking to finance the purchase of a home or investment
property in a high-cost market. With loan amounts from $5
Million up to $30 million or more in some cases. Our Super
Jumbo Loans offer competitive interest rates and flexible terms.
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
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.
85% LTV INVESTOR LOANS - NO INCOME AND NO
EMPLOYMENT REQUIRED! Purchase or Refinance Investment
Property with No Income or Employment Verification. Anyone
can purchase or refinance an investment property with or
without rental income. If there is no rental income . We qualify
you based on the Appraisals Estimated Rental Income.
Commercial Ptate 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 Based Mortgage Loans is where you can leverage your asset
to determine a qualifying monthly income to purchase a new home
or refinance and existing home. Determining Qualifying Assets:
Checking & Savings accounts, Money-market accounts, CDs, Publicly
Traded Stocks, Bonds, Mutual funds, Trusts, IRAs and 401ks that have
cash conversion liquidity
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.
Bridge Loans are great for Fix and Flips, 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 or investor experience
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!
1st Florida Lending Corp., a registered Mortgage Lender Orlando servicing only the State 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.
When Banks Say No! We Say Yes!
YOUR LOAN PROGRAM ! YOUR RATE ! YOUR TERMS!
The 1st Florida Lending Promise
At 1st Florida Lending we want to help you confidently
choose the best mortgage and save money. To do that, you
need a team that has one priority - that is YOU !
* A Florida Direct Lender that Cares *
* The Team with a Heart to Truly Help *
* We Take Trouble Out of the Equation *
Most to assume that you are 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 do not even realize
it. More importantly, there is a significant
difference 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.
Foreign National
Stated Loans
20% Down
ASSET BASED MORTGAGE LOAN
1 YEAR BRIDGE LOAN / NO PREPAY
90 ltv itin tax id loans
Very Low Rates for both Purchases and Refinance
NO INCOME OR EMPLOYMENT VERIFICATION FOR PRIMARY OR SECOND HOME