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We are Approved VA Lenders !  VA guaranteed loans are processed only government approved Mortgage Lenders to eligible veterans and their families for homes for their own personal occupancy.  
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1st Florida Lending Direct Mortgage Lenders
We offer the best mortgage deals for the Toughest Loans.  We are the most competitive Direct Lender in Florida, and challenge any borrower to find a competitor that offers a better overall deal.   Especially those borrowers with low credit scores who are looking for an FHA,VA and USDA Loan.  
We can deliver FHA loans with a low down payment to borrowers that may have been to turn away by other lenders. FHA Purchase Guidelines FICO down to 550 on all of our Government programs (FHA, VA, USDA). 550 FICO, 85% LTV, FHA Cash Out Refinance 550 FICO, 90% LTV 580 FICO, 96.5% LTV No minimum Tradelines No restrictions on gift funds Debt to income ratio by AUS Ginnie Mae Direct Seller Servicer Programs: 15,20,25, and 30 year fixed and 5/1 ARM Manufactured housing property types may be eligible First Time Home Buyers No Overlays with DU approved/eligibile Max DTI follow DU finding, 620 and above Gifts OK, must follow FHA Guidelines
AS DIRECT MORTGAGE LENDERS WE SET OUR OWN RULES OFFERING YOU THREE PROMISES  	1.	THE BEST MORTGAGE RATES AVAILABLE 	2.	LOWER FEES OVER THE COMPETITION 	3.	LOAN PROGRAMS TO FIT YOUR BUDGET WE OFFER THE LARGEST SELECTION OF CUSTOM LOAN PROGRAMS IN FLORIDA  Carlos Matos- Chairman
Pedro Quintero Executive Loan Processor Office: (800) 344.1955 Cell: (407) 491.4908 Fax: (877) 401-9955 Email: pedro@1floridalending.com
TM 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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