HOME CUSTOMER SUPPORT RESOURCES TESTIMONIALS LOAN PROGRAMS APPLY NOW VIDS ABOUT CONTACT

911DIRECTLOANS.COM

CALL US 407-300-2558
HOME 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  
®
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 ! 
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.  
Professional & Reliable 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. Here are just a few of our loan programs: 
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 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  TAX ID LOAN PROGRAM FOR FOREIGN NATIONALS 
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
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 
JUMBO LOANS
WE ARE THE REVERSE MORTGAGE PROFESSIONALS
ONE MONTH SELF-EMPLOYED BANK STATEMENT LOAN ! THAT’S RIGHT !  REQUIRES ONLY YOUR LAST MONTHS BANK STATEMENT – NO TAX RETURNS - NO MI – NO PRE-PAYMENT PENALTY AND NO RESERVES WITH RATES STARTING IN THE 5’s 
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  
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  
REQUEST A QUOTE > CLICK LEARN MORE  >
Starting in the 5’s
Welcome to Florida’s Direct Lenders / 1st Florida Lending Corp.,  Established since 2007 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.    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
Conventional 97% LTV VA Jumbo Loans USDA Streamline  Foreign National Full Doc Conventional 99% LTV  VA Streamline (IRRRL) Home Community  Foreign National Refinance Jumbo Loans 90% LTV FHA 96.5% LTV Reverse Mortgage Purchase Puerto Rico Borrower Loan 1-Month Bank Statement Loans FHA 203k Streamline  Family Ready  ITIN Non-Citizan Loan 12-Months Bank Statement Loans FHA Reverse Mortgage  Commercial Loans Asset Depletion Loans  24-Months Bank Statement Loans FHA Refinance No-Doc Loans w/ Fico Cash Flow Loans   12 Month Tax Return Program FHA with 550 Fico No-Doc Loans / No Fico Stated CondoTel Loans
AMERICAN RED CROSS HURRICANE IRMA RELIEF FUND The Survivors of Hurricane IRMA need our help 
CLICK HERE TO DONATE
ASK US ABOUT OUR LENDER CREDIT PROGRAM ! 
When Banks Say NO! We Say YES!
TO RECAP ONE OF THE MANY LOAN SCENARIOS !  If you are 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  and are willing to attest to your income THEN YOUR GOOD TO GO!