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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 © 2007 - 20211st Florida Lending Corp. - All rights reserved I Privacy Policy I Terms of Use I
Loan Denied? We are willing to spend the time or resources to approve borrowers whose profile do not meet the industry matrix criteria. [Simply stated, most lending institutions are not willing to spend the time or resources to approve borrowers whose profile does not meet the industry matrix criteria.  The good news is that we do!  In fact, our company's line is “When Banks Say No! We Say Yes!” and have proudly earned this distinction within the industry.] Actually Florida is one of top states nationwide with the highest home mortgage denial rates. In other words, you are definitely not alone. Even more reassuring, different lenders have different rules. Just because your loan gets denied by your lender does not mean it'll be denied by another. How Do We Approve your Loan? The first step is to figure out why your bank turned you down. Below is the ten most common denials below. 1. Credit history issues 2. Debt-to-income ratios to high 3. Lack of Collateral 4. Loan officer pre-approved you for the wrong loan type 5. Unpaid Forbearance found in credit report 6. Employment history 7. Insufficient cash (for down payment or closing costs) 8. Unverifiable information 9. Mortgage insurance denied 10. Lender failed to check that your name was not removed from the deed in Foreclosure settlement At 1st Florida Lending. We can tailor a plan to overcome your challenges and/or offer alternative programs that are specifically geared to applicants who were turned down by their lender, even applicants with poor credit history, high debt-to-income ratios, and/or insufficient collateral. These alternative programs, with more relaxed requirements and are willing to take on more risk. Conclusion We are willing to spend the time or resources to approve borrowers whose profile does not meet the industry matrix criteria and employ a professional bilingual staff who are ready, willing and able to meet the challenges. If cannot approve your loan. We are very certain that another will not be able too! CLICK HERE to complete our simple questionnaire to review your loan scenario and provide a quote! Thank you and we look forward to working with you!
Carlos Matos I Florida Direct Lenders

Florida’s Top Rated DIRECT Lender I 48 Programs

1st Florida Lending


800-655-1345 I CALL us 407-300-2558

Carlos Matos  CEO &FOUNDER Aside from the Military outreach programs that we proudly support. 

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) 655-1345 * (407)

300-2558 * Fax (877) 401-9955We are approved lenders for all Government Loans and registered with the Florida Office of Financial

Regulation - # MLD106When Banks Say No ! We Say YES ! ® is a registered trademark owned by 1st Florida Lending Corp.