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 - 2025 1st Florida Lending Corp. - All rights reserved
TURNED DOWN BY YOUR LENDER? CALL US!
Customer Support
Have a Question, Comment or
Complaints? If YES! We would like to
hear from you. Please complete and submit
our customer support form below and we will
respond promptly
LISTED BELOW ARE THE TOP
FREQUENTLY ASKED CUSTOMER
SUPPORT QUESTIONS.
1. We completed an application Online
and no one has contacted us ?
When you submit an Online application,
you will automatically receive an email
confirmation within minutes. If not,
maybe the email you entered on the form
was incorrect. Not sure? Just resubmit
your request! If it was correct, please
check your junk mail or spam folder.
Why? Sometimes certain email clients
may not recognize emails from
1floridalending.com. If you find our email
domain name 1floridalending.com in your
Spam or Junk folder. Just add the
@1floridalending.com domain or specific
persons at the www.1floridalending.com
to your email contacts and/or safe
senders and/or white list. Also, some
email providers allow you to mark certain
message as “NOT SPAM” or “ALLOW
SENDERS” etc. If your still having
issues, please contact Customer Support
using the form below.
2. We have not been updated on the
status of our loan for many days?
There are no set update timelines on an
active loan file. The frequency of a loan
updates varies throughout the loan
process, but are generally sent twice
weekly after your loan documents are
submitted to our processing/underwriting
department. Updates may increase
depending on the type of loan, requests
for additional documentation, underwriting
issues, holidays, and secondary reviews.
The delivery methods for updates may
vary from email, text message and/or by
telephone.
3. Why are there delays?
Generally speaking, most loans take 21 to
35 days to receive final approval from
underwriting. This timeline starts when a
completed loan file and the required
documentation are submitted to
underwriting for approval. It is important
to note, that there can be a host of
reasons for delays any time throughout
the loan process. On the underwriting
side, the most common delay is when
underwriting requires additional
documentation and/or requests updated
documentation even after issuing a
conditional approval.
On the borrower’s side, there could be
document errors, incorrect information,
missing bank statement pages,
unreadable or illegible documentation,
credit rating changes during the review
period and not providing documents in a
timely manner when requested or
sometimes borrowers fail to disclose
recent purchases, litigation, child support
etc... Needless to say, there are too many
variables to list here and borrowers
should expect the unexpected. The good
news is that these are the exceptions and
not the rule with most of the "issues"
listed above are resolved quickly.
4. Why are the cost, fees, rates and
other charges higher that what is
discussed on the Initial Loan Estimate
and/or Closing Disclosures?
Based on new laws initiated back 2005
that mandated that lenders issue Initial
Loan Estimate and/or Closing Disclosure.
This forced all lenders to overestimate
cost, fees etc ..the Initial Loan Estimate
and/or Closing Disclosure and then
provide borrowers with the final "actual "
numbers (which is usually lower) once
underwriting sends you the Final
LE/Closing Disclosures.
Why, because the new law makes it illegal
for any lender to surprise a borrower with
higher charges on the Final LE/Closing
Disclosures that underwriting sends you
to sign. Simply stated, we can always
raise and overestimate charges, but we
can never change or reduce fee, charges
etc. on the Final LE/Closing Disclosures
once sent by underwriting. In that case
we would have to pay the difference
Below is a broad outline of why lenders
sometimes overestimate fee, charges etc
on a Initial Loan Estimate and/or Closing
Disclosure
•
A change of circumstance
•
You decide to change the kind of loan,
for example moving from an
adjustable-rate to a fixed-rate loan
•
You decide to reduce the amount of
your down payment
•
The appraisal on the home you want
to buy came in lower than expected
•
You took out a new loan or missed a
payment on another loan, and your
credit score has changed
•
Your lender could not verify your
overtime, bonus, or other income
•
The interest rate on your loan was not
locked, and locking the rate caused
the points or lender credits to change
Once you receive the "Final LE/Closing
Disclosures" from underwriting will reflect
the locked rate and actual accounting of
all charges, fees etc including settlement
charges.
5. Processing Fees (1st Florida
Lending)
•
Current Cost: $1,199 per file (this fee
can change without notice)
•
What It Covers: The initial processing
of the loan application and file from
start to closing
If you have any further questions.
Please email customer services at
support@1floridalending.com
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