1st Florida Lending I Floridas Top Rated Direct Mortgage Lender

Aside from the Military outreach programs that we proudly support.

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We are proud of the many charities we support! Just to name a few ...

AS DIRECT MORTGAGE LENDERS WE SET OUR OWN RULES OFFERING YOU THREE PROMISES 1. THE BEST MORTGAGE RATES AVAILABLE 2. LOWER FEES OVER THE COMPETITION 3. LOAN PROGRAMS TO FIT YOUR BUDGET WE OFFER THE LARGEST SELECTION OF CUSTOM LOAN PROGRAMS IN FLORIDA Carlos Matos- Chairman

Loan Pre-Approval Application Our Loan Pre-Approval Application is for those borrowers who would like to be pre-approved with a qualifying amount,rate and down payment that collectively meets with your expectations and budget before making a full commitment to move forward. When submitted, one of our professional loan specialist assigned to your account will simply review your credit history, years tax returns and/or bank statements depending on loan type. Once you are pre-approved and agree with the terms. We will issue you signed pre-approval letter and initiate the final underwriting approval process.

Our Most Popular Loan Programs

Get Pre-Approved for a Self-Employed Bank Statement Loan Today !

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12 AND 24 MONTHS BANK STATEMENT LOANS

For Self-Employed, DBA’s, Sole Proprietors, Corporations, 1099 Independent Contractors and W-2 Wage Earners

Why a Bank Statement Loan? With over 14 programs our Bank Statement Loan programs are rapidly becoming the loan of choice For Self-Employed, DBA’s, Sole Proprietors, Corporations, 1099 Independent Contractors and W-2 wage earners who have cash flow and payment history, but show a reduced taxable income as a result of high deductions

“We offer programs with 1 day out of a recent mortgage events like Bankruptcy, Foreclosure and Short Sale”

Changing tax status from W-2 to 1099 self-employed There generally is a 12 month waiting period after you change your tax status from wage earner (W-2) to independent Contractor (1099) or New Business owner. However, there are exceptions in lowering the waiting period which is considered on a case by case basis