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We are proud of the various charities that our company and team members support !    
Aside from our companies contributions.  We encourage team members to donate there time and money to charities of their choice to support the less fortunate  
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Get Pre-Approved for a Self-Employed Bank Statement Loan Today !
1st Florida Lending Corp., a registered Mortgage Lender Orlando servicing all 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.           Main Office: 2151 Consulate Dr. * Suite 8 *  Orlando, FL., 32837  * Telephone (800) 655-1345 * (407) 300-2558 * Fax (877) 401-9955 We are approved lenders for all Government Loans and registered with the Florida Office of Financial Regulation - # MLD106 When Banks Say No !  We Say YES !  ®  is a registered trademark owned by 1st Florida Lending Corp.
Click for the BBB Business Review of this Mortgage Lender in Orlando FL
THE NEW VA MORTGAGE ADVANTAGE A VA Loan has many advantages that make it one of the most appealing paths to home ownership and this great benefit is reserved exclusively to those who bravely served our country and select military spouses.  When combined, the benefits of the VA mortgage allow service members and Veterans to take advantage of substantial cost savings under qualification requirements designed specifically for members of the military and their unique needs.
VA PROGRAM HIGHLIGHTS 100% Financing Competitive interest rates No PMI (private mortgage insurance) FICO starting at 560 is OK Disabled  Veterans pay no Property Tax in Florida
We are Approved VA Lenders ! 
NO DOCUMENTATION LOANS
PURCHASE YOUR HOME WITH JUST 1% DOWN
550 FICO VA LOAN PROGRAM
bank statement loans
WE ARE EXCITED TO PRESENT OUR NEW CONVENTIONAL 1% DOWN WITH EQUITY PLUS LOAN PROGRAM You simply put down 1%,  and we (Lender) contribute 2%*, giving you 3% equity at closing Great low rates Close in 30 days or less Conventional 30-year fixed program Available with no monthly Mortgage Insurance *2% is a lender contribution and may only be applied to down payment  
· · · · · Home Loans TO REQUEST A LOAN PRE-APPROVAL WITH RATES AND TERMS  WE DO NOT PULL CREDIT WITHOUT YOUR PERMISSION AND WILL ACCEPT YOU PROVIDING YOUR OWN CREDIT REPORT FROM ANY SERVICE THAT INCLUDES A MINIMUM OF TWO REPORTING COMPANIES  FOR OUR INITIAL REVIEW We  Say YES!  * When Banks Say NO! TM
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.  Bank Statement Loans 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” 
Let Us Make Your Dream Home A Reality
Use Cash-on-hand (no seasoning required) for Down Payment Use Family Income as Non-Occupant Co-Borrowers to Qualify Use Current Household Members Income to Qualify - Not on Note! Use Boarder/Room Mate to help Qualify Use Spare Room Rental Income to Qualify Minimum 620 Credit Score to Qualify
Flexible Options with FAMILYReady Home Mortgage
FAMILYReady Mortgage Loan Program
If you answered YES! To any of the six options above?                                Then your ready for a FAMILYReady Home Mortgage!    
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WE ARE THE REVERSE MORTGAGE PROFESSIONALS
At 1st Florida Lending Corp, we have been closing Commercial Real Estate loans in Florida since 2007 offering fast funding by seasoned professionals.    We offer a full range of commercial real estate loan programs including Full Doc Loans, Self-Employed loans, No-Doc Loans and Stated Income Loans to make your commercial real estate financing easy for any FICO score to fit almost any property type and financial situation.
Unlike most lenders, we offer over 48 loans programs and are willing to roll up our sleeves to get even the most challenging loans approved no matter how complex.  More importantly, our team of professional will always treat you with respect, professionalism offering excellent customer service.  Our daily goal is to deliver expedited loan approvals and closings to meet with your expected time-lines.
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Full Doc Program Guidelines Maximum loan amount $5,000,000 up to 95% LTV /  Rates starting in the 3's No MI & Pre- Payment Penalty Foreclosure 7 Yrs / Bankruptcy 4 yrs / SS 4yrs
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  
When Banks Say NO! We Say YES!
Self-Employed - 24 month Bank Statement Maximum loan amount $3,000,000 up to 90% LTV /  Rates starting in the 4's No MI & Pre- Payment Penalty Foreclosure, Bankruptcy or Short Sale 24 months or 48 months if multiple events.
Ask us about our appraisal refunds (up to $1,500 at time of closing)
JUMBO LOANS
SELF-EMPLOYED 12 AND 24 MONTHS BANK STATEMENT LOANS 
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Starting in the 5’s
With our no-documentation loans, there is no employment or income verification needed to qualify. Only an appraisal, source of funds to close, reserves and a credit report depending on which plan you select is required with closing time lines ranges between 10 to 14 days but never exceed 20 days.  
FOREIGN NATIONAL LOAN PROGRAMS - VERY LOW RATES
Lender Credit Program (Fico Driven)  Our most popular client benefit, is the Lender Credit Program that offers borrowers a $1,000 to $4,000 option, that can be used to pay their upfront closing costs!  The Lender Credit Program has saved borrowers thousands in upfront fees and may be all they need to obtain a mortgage for their new home.   Click Here to learn more about our FHA loan programs   FHA LOANS  ASK US ABOUT OUR LENDER CREDIT PROGRAM !     NEW!   BANKRUPTCY, FORECLOSURE AND SHORT SALE ARE  OK!
1st Florida Lending Corp
Florida's Direct Lender
EMAIL: support@1floridalending.com
Here are 6 Reasons to Own 1. Build Equity 2. Tax Deduction Savings 3. Stabilize Monthly Payments 4. Maintenance Choices 5. No Pet Restrictions 6. Gain Sense of Community these are just to name a few..
WHY RENT ? WHEN YOU CAN OWN ? Discover the path to owning the home of your dreams
We offer the largest selection of custom loan programs in Florida and can assist you with transitioning from renting a home to owning a home.. Zero Money Down Programs Available
Most home buyers with all of there ducks in a row, it’s not far fetched to assume that you’re good-to-go with getting a conventional mortgage loan that conforms to all of today’s lending standards and guidelines.  Think again. Many times once we review a borrowers credit history and financials.  They could actually be a candidate for a non-conforming loan  and don’t even realize it.  More importantly,  there is a significant differences between a conforming and non-conforming loan.    If you are a prospective home buyer and curious about whether they would qualify for a conforming or non-conforming loan.  Let us help guide them to shed some light on this sometimes confusing and complicated mortgage term.
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How can an ITIN Tax ID Loan Help You? Breaking Down Barriers to Home ownership for non-us citizens who live and work in the USA. 1st Florida Lending offers an affordable ITIN mortgage lending program that allows potential home owners with an ITIN instead of a Social Security number to purchase a home of their own. CLICK HERE TO LEARN MORE
Disclaimer:  All Loan programs, rates and terms can change without notice and are subject to credit and underwriting approval. We will always work hard to approve your loan.  There are no guarantees of any kind expressed or implied! © 2007 - 2018 1st Florida Lending Corp. - All rights reserved  I  Privacy Policy  I  Terms of Use  I  
CLICK LEARN MORE  > YOUR LOAN PROGRAM ! YOUR MORTGAGE ! YOUR TERMS ! We are Florida’s Direct Lender Professionals Self-Employed Loans 1-month, 12-month & 24- month bank statement programs with rates starting in the 4’s Click Learn More Conventional Loans Competitive rates when purchasing, refinancing and/or cash-out refinancing   Click Learn More Non-Conforming Loans Jumbo, Super Jumbo, Loans, industrial and retail commercial  property loans.. etc.    Get Quick Quote
We offer over 48 loan programs in every county in the State of Florida as follows;  Alachua County,Baker County,Bay County,Bradford County,Brevard County,Broward County,Calhoun County,Charlotte County,Citrus County,Clay County,Collier County,Columbia County,DeSoto County,Dixie County,Duval County,Escambia County,Flagler County,Franklin County,Gadsden County,Gilchrist County,Glades County,Gulf County,Hamilton County,Hardee County,Hendry County,Hernando County,Highlands County,Hillsborough County,Holmes County,Indian River County,Jackson County,Jefferson County,Lafayette County,Lake County,Lee County,Leon County,Levy County,Liberty County,Madison County,Manatee County,Marion County,Martin County,Miami-Dade County,Monroe County,Nassau County,Okaloosa County,Okeechobee County,Orange County,Osceola County,Palm Beach County,Pasco County,Pinellas County,Polk County,Putnam County,Santa Rosa County,Sarasota County,Seminole County,St. Johns County,St. Lucie County,Sumter County,Suwannee County,Taylor County,Union County,Volusia County,Wakulla County,Walton County,Washington County
Our programs offer non-citizen residents who have the qualifications, resources, and motivation to purchase a second home, vacation home or investment property in the United States have helped propel domestic real estate markets in tough times.  We offer several different Foreign National Lending Programs designed to put home ownership in reach for qualified non-citizen seeking to put down roots in the United States. Our proprietary program offers flexibility, fewer restrictions and our signature stability and service that sets us apart from other lenders.  STARTING RATES AT  4.85 %
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Buying a home in today’s market can be competitive.  The question is how can you stand out from the crowd of other home buyers? 
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More importantly.  What if you could be fully approved before selecting a home?   Well now they can with our new program called Get Fully Approved – Before you Move Program!  This is not a pre- qualification or  pre-approval. But rather a fully underwritten loan approval in your hand and ready to go!  Get Fully Approved – Before you Move Program!  Allows home buyers to shop for a home having the confidence to make an offer knowing that your loan has already been fully approved by underwriting.  With this in hand will position home buyers far ahead of the crowd of competing home buyers for the sellers consideration to close the deal.    All that is needed once a home is selected is the property address, followed by the executed contract and certified appraisal to clear the final conditions and receive a clear-to-close. 
 A Key Advantage! We offer Home Mortgage Loans if you are 1 day out of Bankruptcy, Foreclosure, or a Short Sale! Program Highlights: Loans up to $1 million (minimum $150,000) Credit scores down to 500 Up to 90% LTV Rates starting in the low 5’s DTI up to 50% considered Owner-occupied, 2nd homes, and investment properties Non-warrantable condominiums considered Jumbo loans down to 500 score 5/1 ARM, 7/1 ARM or 30-year fixed No pre-payment penalty for owner-occupied and 2nd homes No active tradelines OK with housing history SFRs, townhomes, Condos, 2-4 units Seller concessions to up 6% (2% for investment) 
1st Florida Lending Corp is leading the way with Mortgage Solutions for Recent Housing Events through responsible lending tapping into a significant pool of eligible non-qualifying borrowers.
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Explosive growth in the Vacation rental industry is expected to continue in 2018! Explosive growth in the Vacation rental industry is expected to continue in 2018.  Fortunately, as the demand for vacation rental investments has risen, so has the availability of rental property financing. In fact, in some cases it is easier to obtain financing for a vacation rental than a primary residence or second home Highlights:  Homes treated as Non-Owner, Stated or DSCR Available Up to 75% LTV on Purchase Up to 70% LTV on Cash Out or Refi Up to $3,000,000 loan amount 500 FICO or below Okay Non-Prime, ODF or NOO Business Purpose program available All income programs including Bank Statements and ATR-in-Full available Stated income or DSCR via a remittance statement for income accepted Not Required: Evidence that short-term rental is legal in subject property's jurisdiction Evidence of registrations, licenses, permits and business tax certificates Evidence owner registered and paid any transient occupancy taxes Evidence of commercial liability insurance.
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