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Our Foreign National Loan Application is for non-citizen residents who have the qualifications and resources to purchase a home or invest and would like for us to pre-approve their loan amount, quote rates and terms before making a full commitment to move forward with little or no documentation for with quick, easy approval.  Non-Citizens Can Buy and Finance Real Estate in the US Easily If you are not an American citizen but want to purchase a house here, at Florida Direct Lenders, we can offer foreign national mortgage programs, which work very much like standard U.S. loans -- except that the required down payment is generally larger about 25%  However, you may have another alternative. Foreign nationals can also qualify for FHA mortgages.  When you indicate on your mortgage application that you hold something other than U.S. citizenship. In this case we will ask to examine additional documentation and determine your residency status. Lawful permanent resident aliens. If we determine that you enjoy lawful "permanent resident alien" status, the FHA will insure the mortgage under the same terms and conditions as it does for U.S. citizens. This means that we can  finance your home in the U.S. with as little 3.5% down, and do not even need to have a credit rating in the U.S. to be eligible.  Documents that function as evidence of lawful permanent residency are issued by the Bureau of Citizenship and Immigration Services (BCIS, formerly the Immigration and Naturalization Service) within the Department of Homeland Security. You have to produce these documents when applying for your FHA mortgage. Non-permanent resident aliens. Those on work assignments in the U.S. can buy homes too. The FHA will insure a mortgage made to a "non- permanent resident alien" if the property will be the your primary residence, you have a valid Social Security number, you have earned a satisfactory two- year credit history, and you can produce an Employment Authorization Document issued by BCIS showing that you are eligible to work in the U.S. If your authorization is set to expire within one year, and a prior history of residency status renewal exists, as direct lenders we are allowed to assume that continuation will be granted. If this is your first year in the U.S. and there are no prior renewals, our underwriters will have to determine the likelihood of renewal based on information from the BCIS. Foreign Nationals Can Have Trouble Coming Up with Credit Scores – No Problem One challenge faced by foreign nationals is the that their American credit history is likely to be minimal.  At Florida Direct Lenders, we can work with you even if you have a thin file.  We provide guidance on how to construct a credit report from your payment history with utility companies, landlords and any other accounts requiring regular payments.  It costs more to get a credit report of this type, but it can make a mortgage and home ownership possible. If you are using non-traditional credit, it's more important for you than for U.S. citizens to be prompt with your telephone, rent and electricity payments -- your mortgage approval may depend on it.
When Banks Say NO! We Say YES!
1st Florida Lending Corp., a registered Mortgage Lender Orlando servicing all of Florida offering over 45 loans programs including Conventional, Jumbo, FHA, VA, USDA to name a few and specializing in Bank Statement Loans or “stated loans” requiring no Tax Return verification.                               Disclaimer:  When Banks Say NO! We Say YES! tm   If you are turned down by another lender.  We will work hard to approve your loan.  No guarantee of any kind is expressed or implied!   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 © 2007 - 2015 FFL Corp - All rights reserved  I                             I                             I    When Banks Say No !  We Say YES !  ®  is a registered trademark
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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Click for the BBB Business Review of this Mortgage Lender in Orlando FL
What are some of the Qualifications? Up to 80% LTV with 640 min FICO Up to 75% LTV with 620 min FICO NO CREDIT SCORE ? NO PROBLEM W-2 income for wage earners and/or last two year tax returns for non w-2 wage earners and self-employed – OK 24 months statements optional for (self-employed only) New purchases, refinance and cash-out refinancing available No pre-payment penalties No mortgage insurance Gift money from family - OK
Foreign National Loans 
Get Pre-Approved for a Self-Employed Bank Statement Loan Today !
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 ! 
Here is how it works   Under our lender paid credits program we can pay your closing costs which includes Title Insurance Fees, Government Charges, Recording Fees and Lender Fees.  Our No-closing-cost mortgage can saves thousands in upfront fees and may be the ticket to getting a mortgage for a new home or a refinance.  The minimum FICO score for this program is 620 (middle score). * Disclaimer: 1st Florida Lending Corp will issue a lender paid credits at closing for the amount of your closing costs on both purchase and refinance.  Our Lender Credits are applied at closing and covers the following fees: government recording charges, government stamps and intangible taxes and (please note: all appraisal fees are paid by the borrower and collected at time of your application and will be credited back at closing) All title charges and other third party fees must agreed to in advance. 1st Florida Lending Corp reserves the right to select the closing agent when paying the title charges and may cancel this offer anytime without notice
Professional & Reliable Welcome to Florida’s Direct Lenders / 1st Florida Lending Corp.,  specializing in residential, investment and commercial mortgages.  At Florida Direct Lenders , we will help find a loan that fits your budget and expectations. Unlike big banks whose loan officers are overworked, under paid and work with one size fits all parameters, rates and terms.  We offer over 50 loan programs with hundreds of matrixes, managed by highly skilled licensed loan officers (not unlicensed order takers) who know what it takes to get your loan through underwriting quickly. We are changing lives one loan at a time and continuously strive to keep our promises and approved even some of the toughest loan every day. We take pride in the fact that we develop not just a working relationship with our clients, but also a personal relationship  At Florida Direct Lenders, you are not just another number, but a real person, with real mortgage needs and expectations. We also offer the largest selection of Mortgage Programs to choose from in Florida with over 50 and counting; serviced by our professional; multilingual staff as well as giving back to the community by way of selected charities.   Here are just a few of our loan programs:  Conventional * Conventional w/ 97LTV's * Non QM Conventional - Non QM Conventional w/ 12 month Short sale, Foreclosure, Bankruptcy * Non QM Conventional w/24 months Short sale, Foreclosure, Bankruptcy  * Jumbo Loans low rates * Jumbo Loans  w/ 12 month Short sale * Jumbo Loans w/Short sale, Foreclosure, Bankruptcy *No documentation loans * Investment Properties * Commercial * FHA's with 550 FICO'S * FHA Streamline Non Credit Qualifying * FHA Purchase and Refinance Loans * VA *  IRRA'S * USDA * Cash Flow Loans * Unlimited cash out * Business owner Bank Statement Loans * Independent Contractor Bank Statement Loans * Self-employed Borrower who has been Self-Employed for less than 1 year * Stand Alone 2nds * Manufactured Homes * Manufactured Homes for FHA and VA * Refinance * Refinance w/ cash out * Unlimited Cash Out * 203k Streamline * HARP * Fresh Start * Home Community * Home Path * Non-traditional Credit/Trade References * Live and work in Puerto Rico * Borrowers who have money, but not employed * Reverse Mortgage * Home Renovation * Sub-Prime * Zero FICO Score * Foreign National Stated * Foreign National
NO DOCUMENTATION LOANS
NO CREDIT, NO BANK STATEMENTS, NO FINANCIALS... NOTHING!
PURCHASE YOUR HOME WITH JUST 1% DOWN
550 FICO VA LOAN PROGRAM
Click Here to learn more about our FHA loan programs
We pay your closing  your costs!
LOAN PRE-APPROVAL QUESTIONNAIRE LINKS
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
Our new ITIN Tax ID Home Loan Program helps make financing a home easier for qualified Non-US Citizens.  Borrowers do not need a Social Security number and can use there ITIN Tax ID number to qualify! NO CREDIT SCORE ? NO PROBLEM *  If you have an ITIN tax number and have not established a credit score with 3 or more trade-lines, you can establish a 620 score by providing us with 12 months of on-time payments for 3 alternative sources (rent, utilities, cell, insurance, etc.). Qualifying Income You income must be generated in the USA – No overseas income allowed. Types of Property That Qualify? Single-family, Multi-Property, Condos, Non-Warrantable Condos, Townhouses, Mobile Homes, Vacant Land, and Investment Property. Fix Loan Terms Available 10, 15, 20 and 30 year. Don’t Have a US Bank Account? You will need to establish a bank account before your loan is closed. Identification If need a Valid Florida State ID, Passport and Visa
We  Say YES!  * When Banks Say NO! TM
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” 
ITIN  LOAN PROGRAM FOR FOREIGN NATIONALS WITH STATE ID’S
JUMBO LOANS
WE CAN CLOSE YOUR LOAN IN 10 BUSINESS DAYS !
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!    
TM
NO DOC (HARD MONEY)  LOANS
NO EMPLOYMENT OR INCOME VERIFICATION  - LOAN BASED ON APPRAISED VALUE
WHAT ARE THE RATES? Rates start in the Mid 3’s MAXIMUM LTV:  FHA - 96.5% LTV  / Conventional - 97% LTV  RESTRICTIONS?  Must have a 640+ Middle Credit Score • No credit mortgage events within 7 years • No late payments within 24 Months • No student loans • No outstanding liens • No active litigation • Rush order appraisal required ARE  YOU READY TO START THE CLEAR-TO-CLOSE COUNTDOWN CLOCK?  
Our fast track closing service is for Conventional and FHA Conforming Loans only.  The start date begins when we actually receive your documentation in .pdf format  without errors an omissions. 
When you complete our  on-line loan application. You will be assigned a loan officer and redirected to a secure webpage for uploading documents.
FHA LOANS NO BROKER FEES - NO LENDER FEES - NO CLOSING COST 
JUMBO LOANS Foreign National Loans
WE ARE THE REVERSE MORTGAGE PROFESSIONALS
CLICK HERE FOR RATES AND TERMS CLICK HERE FOR RATES AND TERMS
NEWS FLASH ! SELF-EMPLOYED BANK STATEMENT LOANS THAT REQUIRES ONLY ONE MONTHS BANK STATEMENT – NO TAX RETURNS - NO MI – NO PRE-PAYMENT PENALTY AND NO RESERVES WITH RATES STARTING IN THE 5’s If you have  been self-employed for at least two years, have a 700-middle credit score, no credit events, a 30 percent down payment, borrowing anywhere from $250,000 to $3 million on a single unit, owner-occupied property, enjoy rates in the 5’s,  show one bank statement  and are willing to attest and declare your income THEN YOUR GOOD TO GO!
GET STARTED TODAY CLICK LEARN MORE  > GET STARTED TODAY CLICK LEARN MORE  >
Program Guidelines Maximum loan amount $5,000,000 up to 95% LTV Rates starting in the 4's Primary Residence only No MI & Pre- Payment Penalty Non-occupant co-borrowers are not allowed Single Family, PUDs, and warrantable condos Cashout maximum LTV is 90% (limited) Foreclosure 7 Years Bankruptcy 4 years Short Sale 4 years
Requirements: Minimum Fico 780 75% Ltv  Tax Return / W2 Purchase Only Single Family Residence Owner  Occupied