CARLOS MATOS - CHAIRMAN

PUERTO RICO BORROWERS WE OFFER FHA, USDA, AND CONVENTIONAL LOANS FOR PUERTO RICO BORROWERS WHO LIVE, WORK AND FILE TAX RETURNS IN PUERTO RICO WITH 3.5% DOWN PAYMENT! Min 580 FICO to qualify 96.5% LTV (3.5% Down Payment) We Accept Your Hacienda Tax Returns 15, 20 & 30 YR Fixed Terms + (5/1 & 7/1 ARM Available) No Minimum Tradelines IN ENGLISH Our Loan Pre-Approval Application is for those borrowers who live and/or work in Puerto Rico and would like to be pre-approved with a qualifying amount, rate and down payment that collectively meets with their expectations and budget before making a full commitment to move forward. Once the loan pre- approval application is submitted, one of our professional loan specialist assigned to your account will contact you to review your credit history and last two years (hacienda) tax returns. Once you are pre-approved and agree with the terms. We will issue you signed pre-approval letter and initiate the final underwriting approval process. EN ESPANOL Nuestra solicitud de préstamo Pre-aprobación es para los prestatarios que viven y / o trabajan en Puerto Rico y me gustaría ser pre-aprobado con una cantidad de calificación, la tasa y el pago inicial que satisface colectivamente con sus expectativas y presupuesto antes de hacer un compromiso total con avanzar. Una vez que se presente la solicitud de pre-aprobación del préstamo, uno de nuestros especialistas de préstamo profesional asignado a su cuenta se comunicará con usted para revisar su historial de crédito y dos últimos años devoluciones (hacienda) de impuestos. Una vez que esté pre- aprobado y estoy de acuerdo con los términos. Publicaremos usted firmó carta de aprobación previa e iniciar el proceso de aprobación de la suscripción final

Click for the BBB Business Review of this Mortgage Lender in Orlando FL

THE NEW VA MORTGAGE ADVANTAGE A VA Loan has many advantages that make it one of the most appealing paths to home ownership and this great benefit is reserved exclusively to those who bravely served our country and select military spouses. When combined, the benefits of the VA mortgage allow service members and Veterans to take advantage of substantial cost savings under qualification requirements designed specifically for members of the military and their unique needs.

VA PROGRAM HIGHLIGHTS • 100% Financing • Competitive interest rates • No PMI (private mortgage insurance) • FICO starting at 580 is OK • Disabled Veterans pay no Property Tax in Florida

We are Approved VA Lenders !

NO DOCUMENTATION LOANS

NO CREDIT, NO BANK STATEMENTS, NO FINANCIALS... NOTHING!

“We offer programs with 1 day out of a recent mortgage events like Bankruptcy, Foreclosure and Short Sale”

ITIN TAX ID LOAN PROGRAM FOR FOREIGN NATIONALS

Let Us Make Your Dream Home A Reality

Use Cash-on-hand (no seasoning required) for Down Payment Use Family Income as Non-Occupant Co-Borrowers to Qualify Use Current Household Members Income to Qualify - Not on Note! Use Boarder/Room Mate to help Qualify Use Spare Room Rental Income to Qualify Minimum 620 Credit Score to Qualify

Flexible Options with FAMILYReady Home Mortgage

FAMILYReady Mortgage Loan Program

If you answered YES! To any of the six options above? Then your ready for a FAMILYReady Home Mortgage!

WE ARE THE REVERSE MORTGAGE PROFESSIONALS

Getting the most our of Retirement with a Reverse Mortgage ! • Get Rid of Mortgage Payments • Purchase a new home • Make Retirement Funds Last Longer • Home Modifications for Safe Aging Travel • Gifts for Grandchildren • Funds for Health Care • Payoff Debts • Buy a New Car or Motor Home • Move closer to family • Receive a monthly stipend for Life

Changing tax status from W-2 to 1099 self-employed There generally is a 12 month waiting period after you change your tax status from wage earner (W-2) to independent Contractor (1099) or New Business owner. However, there are exceptions in lowering the waiting period which is considered on a case by case basis

Program Highlights • 90% LTV / with 720 credit / W2 wage earners or self- employed • 85% LTV/ min 700 credit / W2 wage earners or sefl- employed • 80% LTV with credit scores from 660 to 719 • 75% LTV if below 660 or no credit has been established non-traditional trade-lines can be acceptable) • Single Family, Town-house, Multi Family, Mobile Home w/ Land, Condo (No Condo Questionnaire Required!) • New purchases, refinance and cash-out available • No pre-payment penalties • No mortgage insurance • Primary and Second Homes Only

Over 48 Custom Loan Programs

APPLY FOR ANY TYPE OF LOAN USING OUR LOAN MATCH WIZARD APPLICATION How Does it Work? The Loan Match Wizard allows us to provide you with a specific loan program type that fits your scenario based on the information provided followed by quote with low rates and takes less than 2 minutes to complete. No Obligation to obtian a quote and we Do Not Pull your Credit !

At 1st Florida Lending Corp, we have been closing Commercial Real Estate loans in Florida since 2007 offering fast funding by seasoned professionals. We offer a full range of commercial real estate loan programs including Full Doc Loans, Self-Employed loans, No-Doc Loans and Stated Income Loans to make your commercial real estate financing easy for any FICO score to fit almost any property type and financial situation.

Explosive growth in the Vacation rental industry is expected to continue Explosive growth in the Vacation rental industry is expected to continue in 2018. Fortunately, as the demand for vacation rental investments has risen, so has the availability of rental property financing. In fact, in some cases it is easier to obtain financing for a vacation rental than a primary residence or second home Highlights: • Up to 85% LTV on Purchase • Up to 75% LTV on Cash Out or Refi • Up to $3,000,000 loan amount • Non-Prime, ODF or NOO Business Purpose program available

and much much more . . .

Why a Bank Statement Loan? With over 14 programs our Bank Statement Loan programs are rapidly becoming the loan of choice For Self-Employed, DBA’s, Sole Proprietors, Corporations, 1099 Independent Contractors and W-2 wage earners who have cash flow and payment history, but show a reduced taxable income as a result of high deductions

“We offer programs with 1 day out of a recent mortgage events like Bankruptcy, Foreclosure and Short Sale”

Our ITIN Mortgage Loans helped thousands of employed and/or self-employed Non-US citizen undocumented immigrant families living and working throughout the State of Florida to realize their dream of home ownership. Whether you are a first time homebuyer, refinancing your existing home or relocating. Préstamos hipotecarios ITIN Actualmente ofrecemos 6 programas de préstamos hipotecarios de identificación fiscal de ITIN y hemos ayudado a miles de ciudadanos no estadounidenses las familias en toda la Florida realizan su sueño de tener una casa propia. Simplificamos los préstamos hipotecarios ITIN ¡Comience la aplicación para comprar o refinanciar su casa hoy! TM . . . and more

Aside from the Military outreach programs that we proudly support.

Full Doc Using Income from Tax Returns • Maximum loan amount $5,000,000 • Attractive 95% LTV’s on Primary Purchases • No MI & Pre- Pay Penalty / Completive Rates Self-Employed - 12 -24 month Bank Statements • Maximum loan amount $5,000,000 • Attractive 90% LTV on Primary Purchases • No MI & Pre- Pay Penalty / Buy Down Rate JUMBO LOANS 95% LTV PURCHASE

CONVENTIONAL LOANS - 6 Programs Conventional - Purchase Conventional - Refinance Conventional - Cash-Out Refinance SELF-EMPLOYED LOANS - 14 Programs 1 to 3 Months Bank Statement Loans 12-Months Bank Statement Loans 24-Months Bank Statement Loans W-2 to 1099 Self-Employed FHA LOANS - 8 Programs FHA 96.5% LTV at 580 FICO FHA below 580 FICO FHA Refinance FHA 203K Streamline 100% CLTV FHA Loans

VA LOAN PROGRAMS - 4 Program VA Purchase VA Streamline Refinance VA Jumbo Loans VA Streamline (IRRRL) USDA LOANS - 3 Programs USDA 100% LTV USDA Streamline USDA Home Improvement Loan NO-INCOME VERIFI LOANS - 9 Programs Commercial Investment Investment Purchase Investment Rental Bridge Loans STATED MORTGAGE LOANS

FOREIGN NATIONAL LOANS - 6 Programs 80% LTV Foreign National Stated Income Foreign National Full Documentation ITIN Non-US Citizen Loan REVERSE MORTGAGE LOAN - 3 Programs Single-purpose Reverse Mortgage Proprietary Reverse Mortgage Investment Reverse Mortgage SPECIALTY LOAN PROGRAMS Construction-to-Perm IS BACK ! Family Ready Home Community Asset Depletion Loans Vacant Land Condotel Loans

At 1st Florida Lending, we offer an affordable ITIN mortgage loans that allows Undocumented / Non-US Citizens / Foreign National Borrowers who live and work in Florida to purchase home. Many of our Undocumented / Non-US Citizens / Foreign National immigrant population do not have a Social Security numbers and have limited credit history or no Credit History which often disqualifies them from obtaining an FHA or Conventional Mortgage.

VOE LOANS

ONLY VERIFICATION OF EMPLOYMENT REQUIRED TO PURCHASE YOUR HOME

NO TAX RETURNS NO PAYSTUBS NO W2’s

We Offer over 48 Loan Programs

 Conventional Loans - 6 programs  Self-Employed Loans - 14 programs  FHA Loans - 8 programs  VA Loan Programs - 4 programs  USDA Loans - 3 programs  No-Income Verification Loans - 9 programs  Foreign National Loans - 6 programs  No Income / No Employment Stated Home Loans  Reverse Mortgage Loans  Asset Depletion Loans  Construction-to-Perm Loans - suspended  Non-Warrantable Condos & Condotels Loans  Fix and Flip Bridge Loans

CLICK TO LEARN MORE ABOUT VOE LOANS

VA LOAN PROGRAM

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

ZERO DOWN PAYMENT MAX FHA LOAN We offer Borrowers obtain a 100% CLTV (Combined loan-to-value ratio) or No Down Payment . You will need a 640 Credit Score FHA LOAN WITH A 550 FICO SCORE

DPA FHA LOAN DOWN PAYMENT ASSISTANCE  96.5% LTV WITH 600 FICO  PRIMARY HOME PURCHASE ONLY  NO INVESTMENT PROPERTIES  MANUFACTURED ELIGIBLE  MUST BE A FIRST TIME HOME BUYER  DPA COUNSELING REQUIRED  SELLER CREDIT UP TO 6%  NO RESERVE REQUIREMENTS  FAST APPROVALS FHA LOAN 3.5% DOWN PAYMENT  96.5% LTV WITH 580 FICO  90% LTV WITH 550 FICO  PRIMARY HOME PURCHASE & REFI’S  NO INVESTMENT PROPERTIES  MANUFACTURED ELIGIBLE  GIFTS FOR CLOSING COSTS OK!  SELLER CREDIT UP TO 6%  NO RESERVE REQUIREMENTS  FAST APPROVALS MAX FHA LOAN ZERO DOWN PAYMENT FHA  MINIMUM FICO SCORE IS 600  PRIMARY HOME PURCHASES ONLY  NO INVESTMENT PROPERTIES  SELLER CREDIT UP TO 6%  FHA FIRST WITH A SUBORDINATE FINANCING FOR THE SECOND TO ACHIEVE 100% CLTV  YOU DO NOT HAVE TO BE A FIRST TIME HOME BUYER! DPA FHA LOAN DOWN PAYMENT ASSISTANCE  96.5% LTV WITH 600 FICO  PRIMARY HOME PURCHASE ONLY  NO INVESTMENT PROPERTIES  MANUFACTURED ELIGIBLE  MUST BE A FIRST TIME HOME BUYER  DPA COUNSELING REQUIRED  SELLER CREDIT UP TO 6%  NO RESERVE REQUIREMENTS  FAST APPROVALS FHA LOAN 3.5% DOWN PAYMENT  96.5% LTV WITH 580 FICO  90% LTV WITH 550 FICO  PRIMARY HOME PURCHASE & REFI’S  NO INVESTMENT PROPERTIES  MANUFACTURED ELIGIBLE  GIFTS FOR CLOSING COSTS OK!  SELLER CREDIT UP TO 6%  NO RESERVE REQUIREMENTS  FAST APPROVALS 100% CLTV FHA LOAN ZERO DOWN PAYMENT FHA  MINIMUM FICO SCORE IS 600  PRIMARY HOME PURCHASES ONLY  NO INVESTMENT PROPERTIES  SELLER CREDIT UP TO 6%  FHA FIRST WITH A SUBORDINATE FINANCING FOR THE SECOND TO ACHIEVE 100% CLTV  YOU DO NOT HAVE TO BE A FIRST TIME HOME BUYER!

ASSET DEPLETION LOAN FAST CLOSING i UP TO 80% LTV BRIDGE LOANS no income OR EMPLOYMENT VERiFICATION required no prepayment penalty

The Florida Hometown Heroes Housing Program helps eligible frontline workers achieve affordable homeownership. This program supports a variety of essential occupations, including:Veterans, Active-Duty Military, and surviving spouses of deceased veterans, Teachers. Sworn Law Enforcement Officers and recruitments bonus programm, Child Care Operators, Daycare Instructors, Paramedics, EMTs, 911 Public Safety Operators, and Firefighters, Registered Nurses, LPNs, CNAs, Home Health Aides, and Health Care Practitioners, Correctional and Probational Officers, Juvenile Detention and Probation Officers none of which have to be a first time home-buyers

Construction-to-permanent loans aka (One-Time Closing) and ground-up construction loans are two different types of financing options

One-Time Closing (aka Construction to Perm) A one-time closing construction loan seamlessly integrates construction financing with permanent mortgage financing into a single loan. This unique loan structure involves a single closing transaction prior to the commencement of construction, during which a consolidated set of fees and closing costs are collected from the Borrower. Upon the completion of construction, the loan automatically transitions into a permanent mortgage. At this point, the Borrower will commence making traditional principal and interest payments, which may also include an escrow payment for taxes and insurance, if necessary. 1st Florida Lending offers a variety of loan options to make it easy for you to select the product best for you and your builder and limited to Conventional, FHA and USDA loan programs.