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No Income or Employment Verification Home Loans
* 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

Florida’s Top Rated DIRECT MORTGAGE Lender I A+ BBB RATED

1st Florida Lending


800-655-1345 I CALL OR TEXT us AT 407-300-2558

Aside from the Military outreach programs that we proudly support.  Our Program    Other Non-QM Loans
A no Income or employment verification home loan are available for borrowers who want to buy or refinance a primary residence or second home but cannot document enough income or employment to qualify for a mortgage using tax returns, W2's, 1099 or bank statements. These borrowers are generally turned down by their banks and lenders. Are No Income or Employment Verification Loans for Primary or Second Homes Still Available in 2022? The majority of banks and lenders require borrowers to provide income documentation and employment verification to qualify for a mortgage and do not offer a true no Income or employment verification loan no matter if it’s a purchase or a refinance and is sometimes confused with a non-owner occupied investment property loan that uses rental income to qualify which requires employment verification. Benefits of obtaining a No Income or Employment Verification Loan But there are several key benefits to getting a no income verification mortgage, including the ability to close on a home faster (since you don’t need to wait around on a bank to get moving and verify extensive documentation). This also means you have less paperwork to deal with. NO INCOME AND EMPLOYMENT VERIFICATION MORTGAGE LENDERS THIS IS A SOLUTION FOR BORROWERS UNABLE TO QUALIFY FOR LOANS BASED ON NO DTI UNDERWRITING Primary residence and 2nd homes Credit underwritten based on LTV, FICO liquidity Income documentation not required Employment not required Debt to income not calculated Asset seasoning 30 days Up to 70% LTV purchase/rate and term Loans up to 3,000,000 FICO starts at 660 Reserves based on credit score

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.