1st Florida Lending Direct Mortgage Lenders
        Foreign National Loan Application Our Foreign National Loan Application is for non-us citizen  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.   We provide financing for foreign nationals and offer programs with little or no documentation for with quick, easy approval.  After completing the Foreign National Loan Application, one of professional mortgage consultants specializing in Foreign National Loans will contact you.
Preferred Realtor Information
Selecting the right Real Estate Agent when making the largest purchase of your life is an important part of the home buying process. Mona Cherkaoui is part of our Preferred Realtor Network which includes some of the top real estate companies in Florida. 
1st Florida Lending can Pre-Approve your Mortgage TM
We currently offer several new loan programs for clients that live and/or work in Puerto Rico.  More specifically, we accept Hacienda (tax returns) as well as borrowers on fixed incomes like social security and pensions who want to purchase a: Primary home 2nd home Vacation home Investment home
Our new Jumbo Loan Programs 
We offering the largest selection of Mortgage Loan Programs in Florida.  Over 45 and Counting!    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 520 FICO'S * FHA Streamline Non Credit Qualifying * FHA Purchase and Refinance Loans * VA * VA Construction to Permanent Purchase Programs * 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 * Construction to Perm * Borrowers who have money, but not employed * Reverse Mortgage * Home Renovation * Sub-Prime * Zero FICO Score * Foreign National Stated * Foreign National Full Doc
Click here to  Apply Online its fast and easy         Loan Pre-Approval Request  Our Loan Pre-Approval Application is for those borrowers who would like to obtain a preliminary loan pre-approval, with a qualifying rate and term that meets with your expectations before making a full commitment. 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. Click here to  Apply Online its fast and easy
Why a Bank Statement Loan?  Many self-employed business owners and independent contractors have good cash flow and payment history.  Even so, they are often declined due low taxable income as a result of high deductions, recent mortgage events e.g. Bankruptcy, Foreclosure, Short Sale Seasoning & Deed in Lieu and/or personal credit issues. Listed below are 3 out of our 5 most popular self-employed bank statement lending programs available.
Our Top 3 Self-Employed Bank Statement Loans
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 JumboVantage  90LTV Highlights Loans up to $2 million Minimum Loan Amount $135,000 CashOut Refi up to $500,000 30-year fixed / 5/1 ARM available No MI & Pre- Payment Penalty Starting Rates 4.75% SS/ Ch.7 & 13 discharged >= 4 years Foreclosure >= 7 Years SFR/Condos/Townhomes/2-4 Unit
JumboVantage  95LTV      Highlights Loans up to $2.5 million Minimum Loan Amount $135,000 CashOut Refi up to 90% 30 year fixed No MI & Pre- Payment Penalty Starting Rates 4.75% SS/ Ch.7 & 13 discharged >= 4 years Foreclosure >= 7 Years SFR/Condos/Townhomes/2-4 Units
Click here to  Apply Online its fast and easy
Do you live and work in Puerto Rico and want to Buy a Second Home or Vacation Home in Florida? 
Have a question about our loan programs? 
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
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Actualmente ofrecemos varios programas de préstamos nuevos para los clientes que viven y / o trabajan en Puerto Rico. Más específicamente, los prestatarios que han presentado declaraciones de impuestos de Hacienda (Puerto Rico) son elegibles para comprar. Esto incluye prestatarios con ingresos fijos, como la seguridad social y las pensiones que quieren comprar una: Casa principal Segundo hogar Casas vacacionales Casa de Inversiones Qué tipo de programa de préstamo es mejor para usted? En caso de obtener una hipoteca de tasa de cambio fija o ajustable? Un préstamo convencional o el gobierno? Sólo tienes que rellenar nuestro Pre-Qualifying solicitud de préstamo y que uno de nuestros especialistas de préstamo cualificado le ayudará a seleccionar el programa adecuado que se ajuste a su presupuesto y necesidades. 
Loan Program Highlights WE ACCEPT HACIENDA TAX RETURNS    •FICO down to 530 to get approved   • Up to 96.5% LTV (3% down payment! )   • 15, 20, 25 and 30 year fixed and 5/1 ARM   • Gifts and Seller Contributions - OK   • No minimum Trade lines
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Mona L. Cherkaoui World Properties Group 11513 Lake Underhill Rd. Orlando, FL 32825 Office: 407-574-5920 Mobile: 407-947-5736 Fax:  407-563-8806 Email: mona@worldprogroup.com Website: www.worldprogroup.com  
* Bank Statement Overlays:  We accept multiple different bank account overlays to meet our 24 month requirement. For example, if you (and not your bank) close one or more active accounts, and re-opened accounts in another bank within the 24 month period.  We only require a written explanation letter accordingly.
Program A      Program B     Program C Nationality US Citizen / Foreign Nationals US Citizen / Foreign Nationals US Citizen / Foreign Nationals Loan-to-Value                         up to 90%LTV        up to 85%LTV    up to  80%LTV Minimum Credit Score 600 500 640 Minimum Loan Amount $200,000.00  $135,000.00  $115,000.00 Maximum Loan Amount $2,500,000.00  $3,000,000.00  $2,000,000.00 Interest Rates Contact us for rates Contact us for rates Contact us for rates Loan Terms 30 Yr Fixed  30 Yr Fixed / 7-1 ARM 30 Yr Fixed Cash-Out Refinancing YES YES YES Bankruptcy Seasoning 4 years No Seasoning required No Seasoning required Foreclosure Seasoning 7 years No Seasoning required No Seasoning required Short Sale Seasoning 4 years No Seasoning required No Seasoning required Deed-in-Lieu Seasoning 4 years No Seasoning required No Seasoning required Income Documentation 24 Months Bank Statements *  24 Months Bank Statements*  24 Months Bank Statements * Tax Returns Optional Optional Optional Pre-Pay Penalties NO  NO NO Mortgage Insurance Not Required Not Required Not Required Minimum Reserves 12 Months Not Required 6 Months Gift Funds Allowed Allowed Allowed Seller Concessions Allowed Allowed Allowed Property Types Disclosure OUR TOP 3 BANK STATEMENT LOANS - WE ALSO OFFER STATED INVESTMENT LOANS Single Family Residence, Condos, Townhomes, 2-4 Unit and Investments - ask about Condotel loans! The figures on this chart are highlights only and may not represent your actual rate and LTV by comparison. GET PRE-APPROVED FOR ANY PROGRAM TODAY GET PRE-APPROVED FOR ANY PROGRAM TODAY GET PRE-APPROVED FOR ANY PROGRAM TODAY GET PRE-APPROVED FOR ANY PROGRAM TODAY