Florida’s Best Direct Mortgage Lender

Perfect A+ Rating Score by the Better Business Bureau

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

Florida’s Top Rated Direct Mortgage Lender w/ 48 Loan Program

A+ BBB Rating I 4.8 Google Reviews

Call or Text us at 407-300-2558 I 800-655-1345

A FEW HIGHLIGHTS 560 FICO APPROVED FHA LOANS w/ 10%DP 48+ PROGRAMS with LOW RATES A DIRECT LENDER - NOT RETAIL BROKER WE LIKE CHALLENGING LOANS SAME DAY LOAN PRE-APPROVAL LETTER A TRUSTED LENDER FROM FL TO CA CALL OR TEXT US AT 407-300-2558
CARLOS MATOS - CEO & FOUNDER
Trusted Direct Lender with Decades of Experience - Servicing Florida and California Primary Home Owners and Investor/Commercial Properties Nationwide
Including investor and commercial property financing in AL, AZ, CA, GA, FL, IL, IA, KS, KY, LA, MN, MT, ND, OK, PA, SC, SD, TX, and WV
We offer Loans from Florida to California for all Purchases, Refinancing and HELOC’s
Aside from the Military outreach programs that we proudly support.  MY LOAN WAS DENIED?
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CLICK HERE TO REQUEST A QUOTE Its Easy! Fast! and No Credit Check SAME DAY PRE-APPROVAL LETTERS Loan Denied? We are willing to spend the time or resources to approve borrowers whose profile do not meet the industry matrix criteria. 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 we cannot approve your loan. You can be certain that another lender will not be able too! LET US HELP APPROVE YOUR LOAN! CLICK ON THE TYPE OF LOAN DENIAL FROM THE MENU LINK BELOW AND A LOAN OFFICER WILL CONTACT YOU