1st Florida Lending Direct Mortgage Lenders
Preferred Realtor Information
Wanda Martinez INTERNATIONAL GROUP US, LLC 309 Richard Jackson Blvd - Suite 200 Panama City, FL Mobile: 850-596-1205 Business: 850-522-8955 Fax: 850-747-1469 Email: vwanda@internationalgroupus.com Website: www.internationalgroupus.com
1st Florida Lending can Pre-Approve your Mortgage
Our General Loan Pre-Approval Request Application is for those borrowers who would like to be  pre-approved with a qualifying amount,rate and down payment that collectively meets with your expectations and budget before making a full commitment to move forward. When submitted, one of our professional loan specialist assigned to your account will simply review your credit that you provide or that we obtain with your permission.   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.
Selecting the right Real Estate Agent when purchasing your dream home or an investment property is an important decision.  Wanda Martinez and her team of Real Estate Professionals are part of our Preferred Realtor Network which includes some of the top real estate companies in Florida serving the local and international marketplace ! 
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 
 All loan programs, guidelines, rates and ltv’s are subject to change without notice.
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.
Bank Statement Programs Stated Program A Stated Program B Stated Program C Property Types Allowed Single family / Condomimum /  Townhouse / 2-4 Unit investment  / Condo Hotels Single family / Condomimum /  Townhouse / 2-4 Unit investment  property Single family / Condomimum /  Townhouse / 2-4 Unit investment  Property Nationality  US Citizens & Non US Citizens US Citizens & Non US Citizens US Citizens & Non US Citizens Maximum LTV % (loan to value)  85 % LTV / 15% Down Payment 80 % LTV / 20% Down Payment 90 % LTV / 10% Down Payment Minimum Credit Score to Apply 500 640 600 Minimum Loan Amount $135,000.00 $135,000.00 $135,000.00 Maximum Loan Amount $2,000,000.00 $2,000,000.00 $2,500,000.00 Starting Interest Rate Percentages  5’s  5’s 4’s Loan Terms 30 Yr Fixed / 7year ARM 30 Yr Fixed  30 Yr Fixed / 15 Yr Fixed Cash-Out Refinancing YES YES YES Bankruptcy Seasoning  No Seasoning required  No Seasoning required   4 years Foreclosure Seasoning  No Seasoning required  No Seasoning required  7 years Short Sale Seasoning & Deed in Lieu  No Seasoning required  No Seasoning required  4 years Maximum Debt-to-income Ratios 50+ % 50+ % 50+ % Bank Statements *  24 Months 24 Months 24 Months Are Tax Returns Required? NO NO NO Pre-Payment Penalties NO NO NO Mortgage Insurance NO NO NO Minimum Reserves  (source of funds only) NO 6 Months 12 Months Gift Funds Allowed Allowed Allowed Seller Concessions Allowed Allowed Allowed Click here to  Apply Online its fast and easy
Our Top 3 Self-Employed Bank Statement Loans
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General Loan Pre-Approval Request
Bank Statement Exemptions:  We accept 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.  We only require a written explanation letter.
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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
MEET THE TEAM   Call us at 850-522-8955
  Chris Johnson              Beth Sellers            Steven Anders             Irina Tibbits         Tammy Bachelder      Yoruba Johnson       Atherine Matthews      Thom Bachelder 
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? 
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
Click for the BBB Business Review of this Mortgage Lender in Orlando FL
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