CARLOS MATOS - CHAIRMAN

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

Over 48 Custom Loan Programs

Aside from the Military outreach programs that we proudly support.

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

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

SELF-EMPLOYED 90% LTV PRIMARY PURCHASE  12 MONTHS BANK DEPOSITS  NO TAX RETURNS REQUIRED  NO MORTGAGE INSURANCE  600 FICO FOR SOME PROGRAMS  MULTIPLE ACCOUNTS PERMITTED  LOW RATES BUY DOWN OPTIONS  CO-BORROWERS CAN USE ALTERNATIVE INCOME LIKE W2, SOCIAL SECURITY AND RENTAL

STATED MORTGAGE 80% LTV PRIMARY PURCHASE  NO INCOME VERIFICATION  NO EMPLOYMENT VERIFICATION  NO DEBT TO INCOME RATIOS  NO TAX RETURNS  MIN 640 FICO SCORE  PRIMARY OR SECOND HOMES ONLY  NO INVESTMENT PROPERTIES  30 YR FIXED AND 1/6 ARM TERMS  SELLER CREDIT UP TO 6%

ASSET MORTGAGE 80% LTV PRIMARY PURCHASE  NO INCOME VERIFICATION  NO EMPLOYMENT VERIFICATION  NO TAX RETURNS  MIN 640 FICO SCORE  YOUR ASSETS ARE UTILIZED TO ESTABLISH A MONTHLY INCOME TO PURCHASES OR REFINANCE YOUR PRIMARY HOME, SECOND HOME OR INVESTMENT PROPERTY

VOE MORTGAGE 85% LTV PRIMARY PURCHASE  NO TAX RETURNS REQUIRED  NO W2'S REQUIRED  NO PAY STUBS REQUIRED  CREDIT SCORE AS LOW AS 620  UP TO 85% LTV PRIMARY PURCHASE  $150,000 UP TO $5 MILLION  100% USE OF GIFT FUNDS  VERIFICATION OF 2 YEARS EMPLOYMENT

ITIN & DACA LOANS 90% LTV PRIMARY PURCHASE  W2 OR SELF-EMPLOYED INCOME  90% LTV w/ 740 ++ CREDIT  85% LTV w/ MIN 700 CREDIT  80% LTV w/ 660 TO 719 CREDIT  75% LTV IF NO CREDIT  NEW PURCHASES AND REFI’S  NO PRE-PAYMENT PENALTIES  NO MORTGAGE INSURANCE  PRIMARY / SECOND HOMES ONLY

FOREIGN NATIONAL 75% LTV PRIMARY PURCHASE  $200K UP TO $4 MILLION  RATES START IN THE HIGH 4'S  75% LTV PURCHASES  65% LTV REFINANCING  VACATION OR RENTAL PROPERTY OK  30 YEAR FIXED AND 7/1 ARM TERMS  NO INCOME VERIFICATION OPTION  NO CREDIT SCORE OPTION  NO RESERVES IN MOST LOANS

Asset Depletion Loans are based on a calculation of a borrower's liquid assets to determine a qualifying monthly income to service the Mortgage. Assets include checking, savings, 401k, pensions, stocks and other investments etc.

90% LTV SELF-EMPLOYED 90% LTV PRIMARY PURCHASE  12 MONTHS BANK DEPOSITS  NO TAX RETURNS REQUIRED  NO MORTGAGE INSURANCE  600 FICO FOR SOME PROGRAMS  MULTIPLE ACCOUNTS PERMITTED  LOW RATES BUY DOWN OPTIONS  CO-BORROWERS CAN USE ALTERNATIVE INCOME LIKE W2, SOCIAL SECURITY AND RENTAL

85% INVESTMENT 80% LTV PRIMARY PURCHASE  NO INCOME VERIFICATION  NO EMPLOYMENT VERIFICATION  NO DEBT TO INCOME RATIOS  NO TAX RETURNS  MIN 640 FICO SCORE  PRIMARY OR SECOND HOMES ONLY  NO INVESTMENT PROPERTIES  30 YR FIXED AND 1/6 ARM TERMS  SELLER CREDIT UP TO 6%

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 Down Payment Assitance 35,000 IN FLORIDAS DOWN PAYMENT ASSISTANT LOANS  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

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 96.5% LTV FHA LOANS 3.5% DOWN PAYMENT FHA  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! 100% LTV FHA LOANS 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!

95% LTV JUMBO LOANS 85% LTV PRIMARY PURCHASE  NO TAX RETURNS REQUIRED  NO W2'S REQUIRED  NO PAY STUBS REQUIRED  CREDIT SCORE AS LOW AS 620  UP TO 85% LTV PRIMARY PURCHASE  $150,000 UP TO $5 MILLION  100% USE OF GIFT FUNDS  VERIFICATION OF 2 YEARS EMPLOYMENT

NO DOC FUNDING 90% LTV PRIMARY PURCHASE  W2 OR SELF-EMPLOYED INCOME  90% LTV w/ 740 ++ CREDIT  85% LTV w/ MIN 700 CREDIT  80% LTV w/ 660 TO 719 CREDIT  75% LTV IF NO CREDIT  NEW PURCHASES AND REFI’S  NO PRE-PAYMENT PENALTIES  NO MORTGAGE INSURANCE  PRIMARY / SECOND HOMES ONLY

Our Jumbo Home Loans are ideal for home buyers looking for higher priced luxury homes. These loans are designed to simplify home buying in pricey markets without the need for borrowers to drain their cash reserves.

Real Estate Investment Loans can be a long-term or a short-term endeavor. The needs of real estate investors are different from the needs of a typical home buyer. We make it easy to obtain funding with or without income.

We offer(6) No Documentation Funding Loan program options for Primary/Second homes and Investment & Commercial Properties. These options can be helpful for borrowers who may not have the traditional documentation

Our New VA Home Loan as 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.

USDA is for financing qualifying properties in rural areas. USDA loans offer low interest rates and 100% financing. Never assume that you wont qualify. We will identify your needs, and offer you the type of expert advice you deserve

A Vacant Land Loan is a specialized type of loan used to finance the purchase of undeveloped land or a vacant lot. Home loans, are intended for buying a home, a land loan is specifically designed for acquiring raw land.

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.