1st Florida Lending Corp., a registered Mortgage Lender Orlando servicing all 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) 401-9955 We are approved lenders for all Government Loans and registered with the Florida Office of Financial Regulation - # MLD106 When Banks Say No ! We Say YES ! ® is a registered trademark owned by 1st Florida Lending Corp.
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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 your loan we be approved. © 2007 - 2019 1st Florida Lending Corp. - All rights reserved I Privacy Policy I Terms of Use I
Have you been turned down by another lender because you have multiple NSF, overdrafts
and bounced checks? NSF, overdrafts and bounced checks may not an issue for some of our self-
employed bank statement programs. More importantly, you can obtain a Loan Pre-Approved and
commitment without the drama or being turned down mid-way by institutions who limit originators with
few options, strict guidelines or who are inexperienced in processing a bank statement programs.
Highlights of our Bank Statement Loan Programs for Purchases, Refinance and Cash-Out Refinance
Up to 90% LTV using 12 months personal or business bank statements
Min $150,000 up to $10,000,000
Business bank statements and personal bank statements permitted
Borrower does not have to be 100% owner of the business
No Tax Returns or 4506 required to qualify
No MI and No Prepayment Penalty
P&L statements NOT required on most programs
5/1 & 7/1 ARM’s or 30 year Fixed
Competitive rates starting in the 4’s
Unsurpassed funding timelines
Purchase, Rate/Term and Cash-Out Refinance
Owner-occupied, 2nd homes and investment properties
Non-warrantable condos OK
SFR, Condos, Townhouse and 2-4 Units1 day out of Bankruptcy, Foreclosure, Short Sale
Multiple bank accounts are permitted with 2 of our 14 programs
Common-sense consideration of NSFs and overdrafts
We now offer a no reserve program vs. the typical 3 to 6 months
About Qualifying
If you own your own business, DBA or are a self-employed contractor you know that obtaining a mortgage
can be difficult. The facts are that most Self-Employed would agree that their tax returns don't really show
their true income as many tend to write off many expenses over that a W-2 wage earner. Regardless of
what you make for income, tax write-offs and deductions reduces your taxable income that can effect your
debt-to-income ratios. As a result, your net taxable income (after deductions) disqualifies you for a
traditional home purchase and/or refinancing options.
The Evolution of Bank Statement Mortgage Loans
After the crash of the housing market in 2008, the federal government took custodianship over Fannie Mae
and Freddie Mac, the two largest lenders in the country. They were so large that if they failed, they would
put thousands of homeowners out on the street, so the government stepped in While this led to many of
the great loan programs that we have today, including HARP and FHA that let homeowners recover from
being underwater or buy a home with less money down, they also made it far more difficult for business
owners and self-employed people to buy a home. Entrepreneurs and self-employed workers were now
required to prove their income by what they pay in taxes, not what they made. This has kept everyone from
doctors and lawyers to real estate agents and web designers from buying a home, as they are forced to
write off business expenses merely to keep their companies or practices profitable. This shows as less
income made for taxes but doesn't show the true income that they make. This means that they can't buy a
home that is on the proper level to what they make but instead must settle for less home or continue to
The Bank Statement Mortgages changed all of that. We simply use your Bank Statement Deposits to
Establish a Monthly Qualifying Income: These programs are available to business owners, DBA's and 1099
independent contractors and processed by our highly experienced originators providing fast funding
commitments. We only require However, you will need to prove that you have been self-employed for 24
Can I still get approved if I recently changed my Tax Status from W-2 to Self-Employed ? Yes ! so long
as the changed occurred 12 months ago or more
Acceptable Properties:
Single family homes, townhomes, condos, condotels, duplex, triple or four-plex all qualify on various
programs. Property usage can be as a primary residence, second home, vacation Home or rental
investment properties.
No obligation and we don’t pull your credit
Carlos Matos I Florida Direct Lenders

We recently added a self-employed “stated income” program for primary

home purchases only. Now our inventory of 14 Bank Statement program is

now 15! Thats more programs than any other Lender in the State of Florida!

We don’t pull your credit

Florida’s Top Rated Mortgage Lender I We are Not Brokers

1st Florida Lending

Over 48 Programs I No Brokers Fees I No Lender Fees

For Loan Inquires Call 800-856-7097 or 800-655-1345