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
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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 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
1st Florida Lending
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ASSET DEPLETION LOANS
ASSET DEPLETION LOANS Leverage your Assets for a Property Purchase or Refinancing without pledging, transferring or establishing a new depository relationship for your assets to get approved! Determining Assets Checking & Savings accounts, Money-market accounts, CDs, Publicly Traded Stocks, Bonds, Mutual funds, Trusts, IRAs and 401ks that could easily liquidate or turned into cash. How it Works Borrowers with substantial liquid assets can be used to establish a monthly income to purchases or refinance properties. More specifically, divide Borrower's net assets by 60 which = equals your qualifying monthly income and loan amount. Monthly Income Calculation Simply divide your liquid assets by 60 which equals your qualifying monthly income and loan amount. Please note that depending on the program. Please Note: Not all assets value are counted the equally. Highlights • Max Loan Amount $5,000,000 • Min Loan Amount $150,000 • Non-Warrantable Condos, Co-ops, Condotels and Cash Out OK • Minimum Credit Scores start at 660 • Up to 80% LTV • Cash-out and Interest-only options available • Property Types ( Primary, 2nd Homes & Investment Properties) • Reserves vary (3 to 6 months) based on program • No rate adjustments apply to the program • Only one appraisal required regardless of loan amount or cash out • Up to 50% DTI Note: Asset depletion income can be used in conjunction with all other income sources such as W2, self- employed, pension, Social Security or rental income We do not pull your credit to provide you with a proposed rate and term. Call or text us at 407-300-2558 When Banks Say No! We Say Yes! YOUR LOAN PROGRAM ! YOUR RATE & TERMS!
407-300-2558
We offer over 48 loan programs in every county in the State of Florida as follows; Alachua County,Baker County,Bay County,Bradford County,Brevard County,Broward County,Calhoun County,Charlotte County,Citrus County,Clay County,Collier County,Columbia County,DeSoto County,Dixie County,Duval County,Escambia County,Flagler County,Franklin County,Gadsden County,Gilchrist County,Glades County,Gulf County,Hamilton County,Hardee County,Hendry County,Hernando County,Highlands County,Hillsborough County,Holmes County,Indian River County,Jackson County,Jefferson County,Lafayette County,Lake County,Lee County,Leon County,Levy County,Liberty County,Madison County,Manatee County,Marion County,Martin County,Miami-Dade County,Monroe County,Nassau County,Okaloosa County,Okeechobee County,Orange County,Osceola County,Palm Beach County,Pasco County,Pinellas County,Polk County,Putnam County,Santa Rosa County,Sarasota County,Seminole County,St. Johns County,St. Lucie County,Sumter County,Suwannee County,Taylor County,Union County,Volusia County,Wakulla County,Walton County,Washington County