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Carlos Matos I Florida Direct Lenders
1st Florida Lending
Carlos Matos  CEO &FOUNDER Aside from the Military outreach programs that we proudly support. 
About Us | 1st Florida Lending Who We Are At 1st Florida Lending, we are Direct Mortgage Lenders—not retail brokers—committed to delivering a valuable, affordable, and tailored lending experience. Our innovative technology, industry-leading systems, and comprehensive portfolio of over 48 loan solutions provide our borrowers with unmatched financing options to meet their unique needs. Our Team We pride ourselves on employing only highly trained, multilingual, and fully licensed loan officers. Unlike many lenders who rely on unlicensed loan coordinators or consultants reading from scripts, our expert team offers personalized mortgage solutions backed by years of industry experience. This ensures a smooth and efficient loan process from start to finish. Our Mission & Vision At 1st Florida Lending, we believe in putting people first—treating borrowers as individuals, not just numbers. Our mission is to provide personalized mortgage solutions tailored to your financial goals. Why We Stand Out We specialize in complex loan scenarios, going the extra mile to secure approvals—even for challenging cases. With the mortgage industry evolving due to regulatory changes, we stay ahead of trends to offer the most up-to-date lending solutions. Our founders have firsthand experience navigating financial crises, shaping our commitment to providing efficient, customer-focused mortgage services. We cater to both U.S. borrowers and Foreign Nationals, offering flexible solutions at competitive rates—something many traditional banks can’t match. First-Time Home Buyers: We’re Here for You Buying your first home is a major milestone—and for many, one of the largest financial decisions of their lives. We understand that the process can be complex, with strict regulations and credit requirements that may feel overwhelming. That’s why our expert loan officers are here to guide you every step of the way, ensuring you make informed decisions with confidence. Why Choose 1st Florida Lending? When selecting a mortgage lender, integrity, honesty, and transparency are just as crucial as interest rates. Here’s why borrowers trust us: Personalized Guidance: We don’t believe in one-size-fits-all solutions. Our loan officers take the time to understand your unique needs. Comprehensive Loan Options: From home purchase loans to refinancing, debt restructuring, and reverse mortgages, we offer tailored solutions for all financial situations. Expert Loan Officers: The right loan officer makes all the difference. Our licensed professionals provide exceptional service, ensuring a seamless experience from application to closing. Our Commitment to Community & Philanthropy At 1st Florida Lending, social responsibility is at the heart of our business. We believe true success goes beyond financial achievements—it’s about making a difference in the community. Our team actively supports charitable organizations through financial contributions, volunteer work, and fundraising events. We encourage our employees to give back, knowing that even small efforts can create a big impact in the lives of those in need. In Summary The mortgage industry is constantly evolving, and at 1st Florida Lending, we are dedicated to helping you navigate it with ease. Our team will work with you to identify the best loan program at competitive rates, ensuring a well-informed and stress-free borrowing experience. Have questions? Our multilingual staff is ready to assist you. Call us today at 407-300-2558 to explore your home financing options!
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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
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