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)856-7097 * (800) 655-
1345 * (407) 300-2558 * Fax (877) 401-9955
* 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. When Banks
Say No ! We Say YES ! ® is a registered trademark owned
by 1st Florida Lending Corp. Florida lender license #
MLD106.
© 2007 - 2023 1st Florida Lending Corp. - All rights reserved
Acquiring the professional services
of a Realtor is very important when
Buying or Selling a home. At 1st
Florida Lending Corp, we view our
work with Realtors as a top priority.
A good Realtor can make the
mortgage process move faster and
with more efficiency as we make
every effort to help Realtor’s
succeed. Click here to learn more
about why it is important to hire a
Realtor
REALTORS MAKE
THE LOAN PROCESS
MORE EFFICIENT
TURNED DOWN BY A LENDER? CALL US!
USDA is for financing qualifying
properties in rural areas. USDA loans
offer low interest s and 100% financing.
Never assume that you wont qualify.
Contact our certified USDA loan officers
who will quickly identify your needs,
and offer you the type of expert advice
you deserve
Our Jumbo land Super Jumbo loans
are ideal for home buyers looking for
higher priced luxury homes. These
loans are designed to simplify home
buying in pricey markets by covering
the full cost of the loan, so there is no
need for borrowers to drain their cash
reserves.
There are 3 types of refinancing (rate-
and-term, cash-out, and cash-in)
depending on your individual needs.
The most popular refinancing is rate-
and-term to take advantage of lower
rates or cash-out to consolidate, pay
down or pay off debt and/or
shortening their loan term, or a
combination of the above.
A vacant land loan is a specialized type
of loan used to finance the purchase
of undeveloped land or a vacant lot.
Unlike a mortgage loan, which is
intended for buying a home, a land
loan is specifically designed for
acquiring raw land. CLICK HERE TO
LEARN KEY POINTS OF VACANT LAND
LOANS:
We offer a full range of Commercial
Real Estate and Investment Property
loans for most property types at very
competitive rates with just the right
terms with fast closing timelines to pay
off an over-due note or to complete a
purchase with a fast approaching
deadline!
A Reverse Mortgage loan for
homeowners over the age of 62 that
can access a portion of the home’s
equity and uses the home as collateral.
The loan generally does not have to be
repaid until the last surviving
homeowner permanently moves out
of the property or passes away.
Bridge Loans are great for Fix and
Flips, Replacing Loan Denials or if you
need quick cash There are no income
or employment verification needed to
qualify. Only an appraisal and source
of funds to close with some reserves.
This program does not require a credit
score or investor experience
Our VA 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. When
combined, these benefits allow
substantial cost savings.
VACANT LAND LOANS
Anyone can purchase, refinance or
cash-out refinance your Investment
property with No Income or
Employment Verification. You can
qualify based on current rental
income or if there is no rental
income. We can qualify you based
on the Appraisers estimated rental
income.
1 YEAR BRIDGE LOAN / NO PREPAY
Which No Doc Funding
Program Meets Your Criteria?
SELF-EMPLOYED
STATED MORTGAGE
ASSET MORTGAGE
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
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%
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
FOREIGN NATIONAL
ITIN & DACA 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
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
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
407-300-2558
Below is a list of different types
of No Doc and Low Doc Funding
Mortgage program options for
various types of properties.
These options can be helpful for borrow-
ers who may not have the traditional docu-
mentation required for mortgage approval.
However, it's important to note that the
availability and terms of these loans can
vary depending on which program meets
your criteria, and market conditions.
1. No Doc Investment Loans:
2. Low Doc DSCR Investment Loans:
3. No Doc Commercial Property Loans:
4. No Doc (Hard Money) Loans:
5. No Doc Fix and Flip Bridge Loans:
6. No Doc Rehab Bridge Loans:
7. No Doc Stated Mortgage Funding:
8. Low Doc Asset Depletion Loans:
9. Self-Employed Stated Income Loans:
10. Self-Employed Stated Income
HELOC/Second Mortgage
NO DOC FUNDING
- FHA LOANS - NO DOWN PAYMENT
- BANK STATEMENT LOAN - 90% LTV
- 99% LTV CONVENTION HOME LOAN
- SECOND MORTGAGE OPTIONS
- JUMBO LOANS - 95% LTV
- INVESTMENT PROPERTY LOAN - 85%LTV
- STATED INCOME HOME LOANS
- FOREIGN NATIONAL LOANS
- ASSET BASED MORTGAGE LOAN
- FIX AND FLIP BRIDGE LOANS
- NO DOC FUNDING - 6 PROGRAMS
- COMMERCIAL PROPERTY LOANS
- VA HOME LOANS
- USDA HOME LOANS
- ABOUT US
- RESOURCES
- CONSTRUCTION LOANS
- ITIN AND DACA LOANS
- WAS YOUR LOAN DENIED?
- CONTACT US