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Carlos Matos I Florida Direct Lenders
1st Florida Lending
Self-Employed Mortgage Loans
Carlos Matos CEO &FOUNDER WHO WE ARE? At 1st Florida Lending Corp., we are Mortgage Lenders (not brokers) committed to making the lending experience valuable, affordable, and tailored to our borrower’s budget and expectations utilizing innovative technology, best systems practices together with a full menu of over 48 lending solutions offering our client-borrowers unparalleled choices for their financing needs. OUR STAFF We accomplish this by only employing highly trained and sophisticated mortgage professionals which translates into a dynamic company with experienced licensed loan officer that assures borrowers they are receiving the very best level of personalized expertise available and not from unlicensed loan coordinators who read from a script. OUR GOAL Our goal is to ensure that every borrower is properly advised about mortgage programs that meets their needs as we guide our borrowers throughout the entire transaction from beginning to end. ARE YOU A FIRST TIME HOME BUYER? For first time home buyers, a mortgage might be one of the largest financial transactions of your life. As a borrower, you need more than just a great rate. Obtaining a mortgage can be a complex and frustrating process. Strict regulations and credit requirements can be daunting, even for the most experienced borrowers. IN SUMMARY The mortgage industry is changing every day. At 1st Florida Lending we help you navigate the complex loan process. That process starts when we find a loan program that matches your criteria at competitive rates Our multilingual staff will answer any questions, simplify the lending process, and ensure your borrowing experience is well-informed, secure, and seamless OUR BUSINESS MODEL WORKS At 1st Florida Lending, our business model is simple! Never treat borrowers as just another number, but a real person, with real mortgage needs and be willing to roll up your sleeves to get even the most challenging loans approved no matter how complex. As regulation brought about much needed reform, the mortgage industry began to evolve. This evolution continues today. Our founding team went through the bailout crisis in the 90’s which left the Mortgage industry fragmented which prompted smaller, more localized mortgage companies that were able to provide superior consumer service and home loans more efficiently. We believe that our lending services should be valuable, affordable, and tailored to each customer while catering to both US and Foreign National borrowers who typically would not find the highest level of service at such a low cost for a regular bank. THE INTEGRITY, HONESTY AND CANDOR When selecting an lender to manage the mortgage process for you. It is important to keep in mind that integrity, honesty, and candor are just as important as interest rates. So, whether you want to refinance at a lower mortgage rate, restructure your debt, achieve new home ownership, obtain a reverse mortgage, refinance or otherwise seek any type of Mortgage solution. We are here to provide you with a customized mortgage solution with the best personal service from application to closing. Also, it is important to ask the right questions. After all, it is not only the institution but also the Loan Officer to whom you will place your trust and confidence. Our Loan Officers are representatives of our company for which they work. Therefore, the right company and right individual are critical to obtaining the best outcome FROM THE BEGINNING In 1990, Carlos Matos, the co-founder of 1st Florida Lending Corp. started his career in the real estate and mortgage industry as a mortgage originator in 1990 and soon after obtained his mortgage broker license operating his own network branch for a nationwide lender. By 2006, when the financial crisis had fully consumed many of the banks and financial services organizations in the country at the time. Many highly talented mortgage brokers were left with some options. Either leave the industry they loved or move forward on your own. In the case of Carlos Matos, the decision was to move forward. With 15 years of Mortgage experience and having closed hundreds of millions in loans at his branch operation. Carlos and his partner formed 1st Florida Lending Corp in 2007, which is now marketed under several brands and has more than quadrupled in size under his leadership. However, the best validation comes from the clients themselves and 1st Florida Lending Corp., has quickly obtained the reputation of an organization that focuses on service and the borrower experience. Its better to give than receive (acts 20:35) Part of our culture at 1st Florida Lending Corp., is social responsibility. Coming to work and achieving our professional goals is certainly paramount to the success of the team, success of the individual, and the success of our business overall. However, success also includes supporting causes you believe in, being an active contributor to the community, and taking on challenges that help the less fortunate who can’t help themselves We always encourage team members to donate their time and money to charities of their choice to support the less fortunate and are humbled by the thankless job that the charities do when taking on their own business challenges that pale in comparison to ours and against seemingly insurmountable odds. Aside from our company’s monetary contributions to various charities, we also donate our time as participants in special events and feel we are making a real difference.

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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
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