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1st Florida Lending
Direct Mortgage Lenders
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
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 ! 
WELCOME TO OUR WEBSITE Welcome to Florida’s Direct Lenders / 1st Florida Lending Corp.,  Established since 2007 specializing in residential, investment and commercial mortgages.  We offer the largest selection of Mortgage Programs in the State of Florida with over 45 and counting with hundreds of matrixes, managed by highly skilled licensed multilingual (English, Spanish & Portuguese) loan officers and staff who know what it takes to get your loan through underwriting quickly and efficiently to meet a borrower’s budget and expectations.      “The business model to our company’s success was simple!  Never treat borrowers as just another number, but a real person, with real mortgage needs and be willing to roll up your sleeves to get even the most challenging loans approved no matter how complex. “ Carlos Mato’ s  - Chairman
NO DOCUMENTATION LOANS
NO CREDIT, NO BANK STATEMENTS, NO FINANCIALS... NOTHING!
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 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  TAX ID LOAN PROGRAM FOR FOREIGN NATIONALS 
WE CAN CLOSE YOUR LOAN  IN 15 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
When Banks Say No! We Say Yes!  We are happy to report that 40% of our business is turn downs from other Banks and Lenders. 
FAMILYReady Mortgage Loan Program
If you answered YES! To any of the six options above?                                Then your ready for a FAMILYReady Home Mortgage!    
TM
WE ARE THE REVERSE MORTGAGE PROFESSIONALS
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?  
DISCLAIMER:  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 any errors and/or omissions. 
GET STARTED TODAY CLICK LEARN MORE  >
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 
REQUEST A QUOTE > CLICK LEARN MORE  >
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.  
Many people confuse the Foreign National Programs with the ITIN loan program. It is important to identify the ITIN borrower using the following explanation: ITIN borrowers are living in the United States but unable to document their legal status. ITIN borrowers have filed and obtained an ITIN number which is similar to a Social Security #. ITIN borrowers will need a valid State issued ID & Passport  ITIN borrowers will need to establish a bank account before your loan is closed. ITIN borrowers have been filing tax returns for a minimum of 2 yrs using the IRS issued ITIN #. No overseas income allowed. We are offer ITIN loan program with the following: Loan Amounts to $600,000.00 Up to 80% LTV with traditional credit and 620+ Fico Score (90% LTV may be  available on a case-by-case evaluation)  Up to 75% LTV with non-traditional credit and No Fico Score * FR, PUD, Townhouse, Condo (Warrantable only) Purchase and R/T Refinance Owner Occupied Only 5% down payment from borrower - additional funds can be gift from family Minimum Loan Amount is $150K Non-traditional credit and No Fico Score.  If you 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.) This is approved on a case-by-case basis
FOREIGN NATIONAL LOAN PROGRAMS - VERY BEST RATES
We offer 100% financing FHA loan to families whose homes were totally destroyed by HURRICANE MARIA and want to relocate in Florida.  Recovering from a major disaster is never easy, especially when a loved home is destroyed. With this FHA program, we can make a major difference in helping you get into a new home in Florida quickly! APPLY NOW FOR 100% FHA LOAN   HURRICANE MARIA RELIEF 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!
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