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COVID-19 Relief for Self-Employed Borrowers - up to 75% LTV / rates from the 5’s

* 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
Competitive Rates starting in the 5’s
Carlos Matos I Florida Direct Lenders

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

Carlos Matos
My name is Carlos Matos, CEO and Founder of 1st Florida Lending Corp, Established in 2007 and based in Orlando, Florida. We are Direct Mortgage Lenders (not retail brokers) and I have personally been in the mortgage industry for over 25 years specializing in home purchase and refinance loans.
ASKED YOURSELF THESE 2 QUESTIONS 1. Have you been Self-Employed for 2 years? 2. Has COVID-19 Impacted your Business / Income? If Yes! We now offer a new COVID-19 RELIEF bank statement program that only requires review of your last 3 months banking statement history and income! We do not look at any banking irregularities like, reduced income shock, non-sufficient funds etc.. prior to your most recent 3 months. Highlights for our COVID-19 Program Loans up to 3 Million Minimum Credit Score 675+ For Primary Residence Only Last 3 Months Bank Statements Income Irregularities - OK Max LTV up to 75% on a Purchase, 70% on a Refinance 30-year Fixed Minimum loan amount 150k 24 months of reserves required (cash-out refinance can be used for reserve requirement 24 months of recent verifiable housing payment history Acceptable Properties: Primary Residences only - Single family homes, Townhomes and condos.
[ Sample Pricing: Cash-out Refinancing $250k / 70% LTV / 700 Credit / Rates at 5.75% using Personal Bank Statements / add .375 to rate if you want to use Business Bank Statements
Requires only 3 months Bank Statements No Income prior to 3 months - OK Income Irregularities prior to 3 months - OK Non-sufficient funds prior to 3 months - OK
Covid-19 Program Advantage
To receive a Loan Quote, please complete our 2 minute online questionnaire below. One of our experienced loan officers at 1st Florida Lending who specializes in bank statement loans. Will guide you through process, provide you with options along with a quote with rates/terms that meets with your criteria and budget.

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.