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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 - 2020 1st Florida Lending Corp. - All rights reserved I Privacy Policy I Terms of Use I

Acquiring the professional services of a CPA can sometimes be a key

supporting factor when acquiring a mortgage for a purchase or

refinance. For business owners and self-employed contractors only a

CPA can provide certain verification letters that sometimes can make

the difference in a mortgage approval

CPA's can also offer sound tax advice, help with monthly budgeting, estate planning and be a strategist for increasing profits and minimizing


With regard to mortgages and depending on the loan type, a CPA's can

Assist with your tax returns

Audit, reviews, or compile the personal financial statements of the borrower

Examine or compile pro forma or prospective financial information of the borrower

Hiring a CPA is a good option, since they have a background in both tax law and financial strategies that can keep more money in your pocket.

Bookeepers and tax preparers generally do not have the education or background that a CPA does. CPA’s are more skilled at establishing a

financial strategy that is the most effective and efficient available.

Simply stated, most direct lending intuitions are not willing spend the time or resources to approve borrowers whose tax returns or financial

profile if self-employed does not meet the industry matrix criteria. The good news is that we do!

Statistically, 40% of our mortgage business is helping self-employed borrowers who must use bank statements deposits for qualifying income

as well as 20% of w-2 borrowers who DTI ratios are too high with low FICO scores or both and turned down by their banks.

We lose borrowers who don’t have CPA’s and choose self-help tax software and approve others who choose to seek tax and financial guidance

by a CPA.

Our companies tag line is “When Banks Say No! We Say Yes!” and have proudly earned this distinction within the industry.

We have been in Florida since 2007, A+ rating by the better business bureau and employ a professional staff who speak English, Spanish,

Portuguese and are ready, willing and able to meet the challenges ahead

While we cannot provide Tax advice, we can provide CPA contacts in the city/county for your consideration.

No obligation and we don’t pull your credit




Disclaimer of endorsement Any of the CPA companies names, company names, weblinks and locations provided on this website is already public information and is for the user’s convenience only. 1st Florida Lending Corp posting this information does not constitute or imply an endorsement by 1st Florida Lending Corp of their products, process, or services, or its producer or providers. The views and opinions expressed in any referenced do not necessarily state or reflect those of 1st Florida Lending Corp. Therefore, any reference herein to any CPA by name, trade name, or trademark, or otherwise does not constitute or imply the endorsement, recommendation or approval thereof. Neither 1st Florida Lending Corp, nor any of their employees, agents, contractors makes any warranty, express or implied, including warranties of merchantability and fitness for a particular purpose, or assumes any legal liability for the accuracy, completeness, or usefulness of any information posted about CPA servers this website.


Carlos Matos I Florida Direct Lenders

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

1st Florida Lending

48 Programs I No RETAIL Brokers Fees I GET QUOTE

800-655-1345 I ALL LOAN INQUIRIES CALL 407-300-2558

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) 401-9955We 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.