Click for the BBB Business Review of this Mortgage Lender in Orlando FL
Carlos Matos I Florida Direct Lenders
1st Florida Lending
Self-Employed Mortgage Loans
Carlos Matos CEO &FOUNDER WHO WE ARE At 1st Florida Lending, we are Direct Mortgage Lenders (not retail brokers) committed to providing a valuable, affordable, and tailored lending experience for our borrowers. We utilize innovative technology, best systems practices, and offer a full menu of over 48 lending solutions, giving our client-borrowers unparalleled choices for their financing needs. OUR STAFF We achieve this by exclusively employing highly trained, multilingual, and fully licensed loan officers. This ensures that every borrower receives the highest level of personalized expertise available, rather than relying on unlicensed loan coordinators / consultants who simply read from a script. Our dynamic team brings a wealth of experience to the table, guaranteeing exceptional service throughout the entire transaction. OUR GOAL Our primary goal is to ensure that every borrower is properly advised about mortgage programs that meet their specific needs. We guide our borrowers from the beginning to the end of the transaction, providing comprehensive support and assistance along the way. ARE YOU A FIRST TIME HOME BUYER? For first-time home buyers, obtaining a mortgage can be one of the largest financial transactions of your life. We understand that this process can be complex and frustrating, with strict regulations and credit requirements that may seem daunting, even for the most experienced borrowers. That's why we are here to offer guidance and support throughout the entire journey. IN SUMMARY The mortgage industry is constantly evolving, and at 1st Florida Lending, we are here to help you navigate the complex loan process. Our dedicated team will work with you to find a loan program that matches your unique scenario at competitive rates. With our multilingual staff ready to answer any questions and simplify the lending process, you can trust that your borrowing experience will be well-informed, secure, and seamless. Please call 407-300-2558 to let us know how we can assist you in achieving your homeownership goals.

About

OUR EFFECTIVE BUSINESS MODEL WORKS Our business model is straight forward yet highly effective. We firmly believe in treating borrowers as individuals, not mere numbers, and understanding their unique mortgage needs. We are committed to going the extra mile, even for the most complex loans, by rolling up our sleeves and finding innovative solutions to ensure approval. The mortgage industry has undergone significant changes due to regulatory reforms, and this evolution is an ongoing process. Our founding team experienced firsthand the challenges brought about by the bailout crisis in the 90s. This crisis led to the fragmentation of the mortgage industry, giving rise to smaller, localized mortgage companies that could deliver superior consumer service and more efficient home loans. We firmly believe that our lending services should be valuable, affordable, and tailored to each customer's specific requirements. We cater not only to US borrowers but also to Foreign National borrowers who often struggle to find the same level of service at a reasonable cost from traditional banks. By adopting this professional and customer-centric approach, we have successfully established ourselves as a trusted and reliable mortgage provider. Our commitment to personalized service, combined with our ability to navigate complex loan scenarios, sets us apart from the competition. In summary, we are dedicated to helping individuals achieve their homeownership dreams by providing exceptional mortgage solutions.

Mission & Vision

INTEGRITY, HONESTY AND CANDOR Integrity, honesty, and candor are crucial factors to consider when choosing a lender to manage your mortgage process. These qualities are just as significant as interest rates. Whether you are looking to refinance at a lower mortgage rate, restructure your debt, achieve new home ownership, obtain a reverse mortgage, or seek any other type of mortgage solution, we are here to provide you with a personalized and tailored approach. Our commitment to delivering the best personal service extends from the initial application to the closing of your mortgage. Moreover, it is essential to ask the right questions. Remember, it is not only the institution that matters, but also the Loan Officer to whom you entrust your trust and confidence. Our Loan Officers are representatives of our company, and therefore, selecting the right company and individual is crucial to ensuring the best possible outcome for your mortgage needs.

Why Choose Us?

Its better to give than receive (acts 20:35) At 1st Florida Lending., social responsibility is deeply ingrained in our culture. While coming to work and achieving our professional goals is of utmost importance for the success of our team, individuals, and overall business, we believe that true success extends beyond these boundaries. We recognize that success also entails supporting causes we believe in, actively contributing to our community, and taking on challenges to assist those less fortunate who are unable to help themselves. We strongly encourage our team members to donate their time and money to charities of their choice, as we understand the profound impact it can have on the lives of those in need. We are humbled by the tireless efforts of charities, who face their own business challenges that often pale in comparison to ours yet continue to persevere against seemingly insurmountable odds. In addition to our company's financial contributions to various charities, we actively participate in special events, dedicating our time to make a tangible difference. By embracing social responsibility, we not only enhance the lives of those less fortunate but also foster a sense of purpose and fulfillment within our team. We firmly believe that by giving back to our community, we contribute to a better and more compassionate world. Our entire team is proud to prioritize social responsibility as an integral part of our professional endeavors.

Charity-Philanthropy

Aside from the Military outreach programs that we proudly support. 
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
© 2007 - 2023 1st Florida Lending Corp. - All rights reserved I Privacy Policy I Terms of Use I
HOME HOME
CUSTOMER SUPPORT CUSTOMER SUPPORT
RESOURCES RESOURCES
  • MORTGAGE GLOSSARY OF TERMS
  • MORTGAGE CALCULATOR
  • LOAN PROGRAMS
  • USDA LOAN INFORMATION
  • NON-QM MORTGAGE
  • PRE-APPROVAL DOCUMENT-CHECKLIST
  • APPRAISALS
  • LEARN ABOUT CREDIT
  • REPAIR YOUR CREDIT
  • CLOSING COST
  • REFINANCING YOUR LOAN
  • MORTGAGE CREDIT EVENTS
  • PMI-MORTGAGE INSURANCE
  • FORECLOSURE INFORMATION
  • CONDO PURCHASE WARNINGS
  • THE LOAN PRE-APPROVAL PROCESS
LOAN PROGRAMS LOAN PROGRAMS
WAS YOUR LOAN DENIED? WAS YOUR LOAN DENIED?
APPLY NOW APPLY NOW
  • FHA LOANS - NO DOWN PAYMENT
  • BANK STATEMENT LOANS - 90% LTV
  • JUMBO LOANS - 95% LTV
  • SUPER JUMBO LOANS - 100% LTV
  • PROGRESSIVE REPAYMENT MORTGAGE
  • CONTRUCTION LOANS
  • INVESTMENT PROPERTY LOANS - 85% LTV
  • STATED MORTGAGE FOR PRIMARY -SECOND HOMES
  • NO DOC FUNDING - 6 PROGRAMS
  • FOREIGN NATIONAL LOANS
  • ASSET BASED MORTGAGE LOAN
  • FIX AND FLIP BRIDGE LOANS
  • COMMERCIAL PROPERTY LOANS
  • VOE MORTGAGE LOANS
  • ITIN TAX ID LOAN
  • USDA LOAN
  • VA LOANS 100% LTV
ABOUT ABOUT
CONTACT CONTACT