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 550 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

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

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

Features 80% LTV with 600 credit score Min 100,000 - $1M Max Loan Interest only options available

• 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 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! TM

Full Doc using Income from Tax Returns • Maximum loan amount $5,000,000 • Primary Purchases 95% LTV’s • Refinance and Cash-Out Refinance • No MI & Pre- Payment Penalty Self-Employed - Bank Statements • Maximum loan amount $5,000,000 • Primary Purchases 90% LTV’s • Refinance and Cash-Out Refinance • No MI & Pre- Payment Penalty

* 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

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 in 2018! 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: • Homes treated as Non-Owner, Stated or DSCR Available • Up to 75% LTV on Purchase • Up to 70% LTV on Cash Out or Refi • Up to $3,000,000 loan amount • 500 FICO or below Okay • Non-Prime, ODF or NOO Business Purpose program available • All income programs including Bank Statements and ATR-in-Full available • Stated income or DSCR via a remittance statement for income accepted Not Required: • Evidence that short-term rental is legal in subject property's jurisdiction • Evidence of registrations, licenses, permits and business tax certificates • Evidence owner registered and paid any transient occupancy taxes • Evidence of commercial liability insurance.

“We offer programs with 1 day out of a recent mortgage events like Bankruptcy, Foreclosure and Short Sale” We Say YES! * When Banks Say NO! TM 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”

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

CONVENTIONAL - JUMBO - SUPER JUMBO LOANS Conventional - Purchase & Refi & Cash Out Refinance Jumbo & Supe Jumbo Cross-Collateralization Super Jumbos SELF-EMPLOYED LOANS - 14 Programs 1 to 3 Month Bank Statement Loans 12-Months Bank Statement Loans 24-Months Bank Statement Loans W-2 to 1099 Self-Employed 95% LTV JUMBO LOANS 100% LTV SUPER JUMBO LOANS FHA LOANS FHA 96.5% LTV at 580 Fico FHA 550 Fico - OK FHA Refinance No Down Payment FHA 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 VERIFICATION + BRIDGE LOANS Commercial Investment Investment Purchase Investment Rental Cash Flow No Doc Loans Bridge 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 SPECIALITY LOAN PROGRAMS Land Only Loans CONSTRUCTION-TO-PERM LOANS ARE BACK Home Community Puerto Rico Borrower Loan Asset Depletion Loans Condotel Loans Non-Warrantable Condo Loans

CUSTOM LOAN PROGRAMS

OVER 48 PROGRAMS AND COUNTING

TURNED DOWN BY A LENDER? CALL US!

Takes only 60 secs No credit check LOAN PRE-APPLICATION QUOTE

Florida’s Top Rated Mortgage Lender

A+ BBB RATED I 48 loan programs

 GET FAST FREE QUOTE

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