Available for self-employed borrowers (not business entities) with a min FICO score of 740. Must have established and maintained an excellent credit, payment and banking history. Simply state your Income on loan application and verify self-employment for two years. For primary home purchases only
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Simply State your Income on the loan application (we dont verify) and provide proof of Self-Employment for two years
Program Guidelines & Requirements Two years Self-Employed Attest & Declare your income on the loan application For purchases (Max LTV of 75%) For refinance (Max LTV of 70% rate and term or cash out) Minimum credit score to qualify is 740 No mortgage credit events within the last five (5) years Twenty-four (24) month recent mortgage history required No charge offs, collections, or tax liens in the last five (5) years Maximum loan amount of $3,000,000 Minimum loan amount of $250,000 U.S. residents only Primary Owner-occupied only SFR / Condo / Town house Property Types Most recent personal bank statement with positive ending statement Closing Funds may come from the account provided for qualifying income 12 months Reserve Funds required Secondary Financing is not allowed Property must be in good condition and conform to the area No rural properties No First-time homebuyers
* 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
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

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

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.