HIGHLIGHTS Primary Residence & Second Homes only $150,000 TO $3 Million Loan Amount Min Credit Score 640 Max 85% LTV for Primary and Second Home Purchases and Rate/Term Refinance Max 75% LTV for Primary and Second Home Cash-Out Refinance Income Documentation Not Required No Pre-Payment Penalty / No Mortgage Insurance No Debt-to-Income (DTI) calculated One Month Bank Statement Showing Source of Funds to Close Gift Funds Allowed / Seller Concessions up to 6% Reserve Required @ 85% LTV for Purchases and Rate & Term Financing o 740 Fico / 3 months reserves o 700 Fico / 9 months reserves o 680 Fico / 12 months reserves o 640 Fico / 18 months reserves Reserve Required @ 75% LTV for Cash-Out Refinancing o 740 Fico / 3 months reserves o 700 Fico / 9 months reserves o 680 Fico / 12 months reserves o 640 Fico / 18 months reserves

Stated Home Loans with No Income Verification

At 1st Florida lending Corp we are excited to present our Stated Home Loans - No Income Verification for both primary and second home purchase and refinancing By definition a “No Income Verification” “Stated Income” and “No Docs” loans are for non- owner-occupied investment properties , not primary homes Our Stated No Income Verification loan is exclusively for Primary & Second Homes that provides an easy entry to obtain financing
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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
FREQUENTLY ASKED QUESTIONS Question: Who apply’s for this type of loan?. Answer: No Income Verification Home Loans are commonly sought out by those who don't have a regular source of income, irregular income, including or those whose wealth stems from investments or unearned-income sources. They could be realtor’s or investment house flippers and landlords with multiple, expense write-off’s on their tax returns to buy investment properties without thoroughly documenting their income. Question: How does underwriting secure this type of loan ? Answer: No Income Verification Home Loans are underwritten based solely on the loan-to-value percentage (LTV), with above credit score, seasoned reserves, and source of funds to close. The number of months of reserves required are based on your credit score and loan type (see highlights)

Florida’s Top Rated DIRECT Lender I 48 Programs

1st Florida Lending

WE ARE NOT RETAIL Brokers I GET QUOTE

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

CLICK HERE FOR A  RATE QUOTE   OBTAIN PRE-APPROVAL LETTER TODAY Its Easy! Fast! and No Obligations 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.

Stated Income Home Loans

With No Income Verification

1. 85% LTV for Primary and Second Home Purchases and Rate/Term Refinancing 2. 75% LTV for Primary and Second Home Cash-Out Refinance