STILL HAVE A QUESTION? PLEASE CALL US AT 800-655-1345  OR SEND TEXT TO 407-300-2558
Get Pre-Approved for a Self-Employed Bank Statement Loan Today !
PUERTO RICO BORROWERS WE OFFER FHA, USDA, AND CONVENTIONAL  LOANS FOR PUERTO RICO BORROWERS WHO LIVE, WORK AND FILE TAX RETURNS IN PUERTO RICO WITH 3.5% DOWN PAYMENT! Min 550 FICO to qualify 96.5% LTV (3.5% Down Payment) We Accept Your Hacienda Tax Returns 15, 20 & 30  YR Fixed Terms + (5/1 & 7/1 ARM Available) No Minimum Tradelines IN ENGLISH  Our Loan Pre-Approval Application is for those borrowers who live and/or work in Puerto Rico and would like to be  pre-approved with a qualifying amount, rate and down payment that collectively meets with their expectations and budget before making a full commitment to move forward. Once the loan pre- approval application is submitted, one of our professional loan specialist assigned to your account will contact you to review your credit history and last two years (hacienda) tax returns. 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.    EN ESPANOL Nuestra solicitud de préstamo Pre-aprobación es para los prestatarios que viven y / o trabajan en Puerto Rico y me gustaría ser pre-aprobado con una cantidad de calificación, la tasa y el pago inicial que satisface colectivamente con sus expectativas y presupuesto antes de hacer un compromiso total con avanzar. Una vez que se presente la solicitud de pre-aprobación del préstamo, uno de nuestros especialistas de préstamo profesional asignado a su cuenta se comunicará con usted para revisar su historial de crédito y dos últimos años devoluciones (hacienda) de impuestos. Una vez que esté pre- aprobado y estoy de acuerdo con los términos. Publicaremos usted firmó carta de aprobación previa e iniciar el proceso de aprobación de la suscripción final
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1st Florida Lending Corp., a registered Mortgage Lender Orlando servicing all of Florida offering over 48 loans programs including Conventional Loans, Non-Conforming Loans, FHA Loans, VA Loans, USDA Loan, Self-Employed Loans, Bank Statement Loans, No-Doc Loans, Reverse Mortgage Loans, ITIN Loans, Rental Investment Loans,   to name a few and specializing in Bank Statement Loans or “stated loans” requiring no Tax Return verification and much more.  * No broker or lender fees are for FHA,VA, USDA and Conventional loan types          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 When Banks Say No !  We Say YES !  ®  is a registered trademark owned by 1st Florida Lending Corp.
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Rates Starting in the 6’s We  Say YES!  * When Banks Say NO! TM
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” 

 STATED INCOME OWNER OCCUPIED LOANS 

Know the Program You Want? Just Click a Link Below 
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 ! 
NO DOCUMENTATION LOANS
NO CREDIT, NO BANK STATEMENTS, NO FINANCIALS... NOTHING!
PURCHASE YOUR HOME WITH JUST 1% DOWN
550 FICO VA LOAN PROGRAM
Over 48 loan programs Direct Lenders - Not Brokers Manually Underwrite Challenging Loans Same Day Loan Pre-Approval Letters Close Some Loans in 10 Days We are VA, FHA and USDA Approved Lender Member of Wholesale Lending Networks Free Credit Analysis 
Why Choose Us?
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 
Credit Score  LENDING 0
                              Features   80% LTV  with 600 credit score  Min 100,000 - $1M Max Loan Interest only options available
12-Month Bank Statement FICO 680 +
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
No-Doc Loans ITIN ID Loans Foreign National Puerto Rico Borrower Vacant Land Loans Manufactured  Homes  Home Renovation  Cash Flow Loans Commercial  Asset Depletion Loan
Conventional Conventional 1% DP Equity Plus FHA - Standard & 203K FHA - We pay closing Cost VA - 100% Financing USDA - 100% Financing Jumbo and Super Jumbo 12 & 24 Month Bank Statement Loans Reverse Mortgage Investment Properties Loans
Listed below are just a few of our Programs
FAMILYReady Mortgage Loan Program
If you answered YES! To any of the six options above?                                Then your ready for a FAMILYReady Home Mortgage!    
TM
At 1st Florida Lending Corp, we have been closing Commercial Real Estate loans in Florida since 2007 offering fast funding by seasoned professionals.    We offer a full range of commercial real estate loan programs including Full Doc Loans, Self-Employed loans, No-Doc Loans and Stated Income Loans to make your commercial real estate financing easy for any FICO score to fit almost any property type and financial situation.
WE ARE THE REVERSE MORTGAGE PROFESSIONALS
Simply State your Income and Verify Self-Employment for two years -  With No Income Verification! Unlike our Stated Income / Non-Owner Occupied Property  Loans or No-Doc Loans which are available to any borrower willing to provide evidence of funds-to-close, is restricted to investment and rental properties. Our Stated- Income Loan Program is for "OWNER-OCCUPIED PROPERTIES" being the “KEY WORD”,  and only available to Self-Employed Borrowers who have established a good credit history 
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Full Doc Program Guidelines Maximum loan amount $7,000,000 up to 95% LTV /  Rates starting in the 3's No MI & Pre- Payment Penalty
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  
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!
Self-Employed - 24 month Bank Statement Maximum loan amount $7,000,000 up to 90% LTV /  Rates starting in the 4's No MI & Pre- Payment Penalty
JUMBO LOANS  
SELF-EMPLOYED 12 AND 24 MONTHS BANK STATEMENT LOANS 
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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
1st Florida Lending Corp
Florida's Direct Lender
When Banks Say NO! We Say YES!
Disclaimer:  All Loan programs, rates and terms can change without notice and are subject to credit and underwriting approval.  Loan charts highlight min/max constraints, assumptions & random scenarios only. We will always work hard to approve your loan but there are no guarantees of any kind expressed or implied that your loan we be approved. © 2007 - 2018 1st Florida Lending Corp. - All rights reserved  I  Privacy Policy  I  Terms of Use  I  
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Over 48 Custom Loan Programs

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Explosive growth in the Vacation rental industry is expected to continue in 2018! Explosive growth in the Vacation rental industry is expected to continue in 2018.  Fortunately, as the demand for vacation rental investments has risen, so has the availability of rental property financing. In fact, in some cases it is easier to obtain financing for a vacation rental than a primary residence or second home Highlights:  Homes treated as Non-Owner, Stated or DSCR Available Up to 75% LTV on Purchase Up to 70% LTV on Cash Out or Refi Up to $3,000,000 loan amount 500 FICO or below Okay Non-Prime, ODF or NOO Business Purpose program available All income programs including Bank Statements and ATR-in-Full available Stated income or DSCR via a remittance statement for income accepted Not Required: Evidence that short-term rental is legal in subject property's jurisdiction Evidence of registrations, licenses, permits and business tax certificates Evidence owner registered and paid any transient occupancy taxes Evidence of commercial liability insurance.
and much much more . . .
Not Sure What Loan Program Works Best for YOU ?  
Conventional   VA   Foreign National            Conventional 95% LTV           VA Purchase             Foreign National Stated Income            Conventional 97% LTV           VA Streamline Refinance            Foreign National Full Doc            Conventional 99% LTV            VA Jumbo Loans            Foreign National Investment Only Self-Employed             VA Streamline (IRRRL) Reverse Mortgage              1-Month Bank Statement USDA             Single-purpose Reverse Mortgage            12-Months Bank Statement Loans             USDA 100% LTV            Proprietary Reverse Mortgage            24-Months Bank Statement Loans              USDA Streamline             Investment Reverse Mortgage             Stated Income Only            USDA Home Improvement Loan Specialty Niche Loans             W-2 to 1099  No-Income Verification               Family Ready  FHA            Commercial Investment            Home Community            FHA 96.5% LTV             Investment Purchase            Puerto Rico Borrower Loan            FHA with 550 Fico           Investment Rental              ITIN Non-Citizen Loan            FHA Refinance            No-Doc Loans            Asset Depletion Loans             FHA 203K Streamline             Hard Money            Cash Flow Loans              FHA 203K Renovations  Reverse Mortgage              Condotel Loans            FHA 203H            Single-purpose Reverse Mortgage            Land Only Loans            Investment Reverse Mortgage             Super Jumbo 95% LTV
No obligation and we don’t pull your credit
95% Jumbo Loan No-Doc Loans FHA, USDA & VA
Free Quote - No Registration - No Obligation - We Don’t Pull your Credit ! How Does it Work? The Loan Match Wizard allows us to provide you with a specific loan program type that fits your scenario based on the information provided followed by quote with low rates and takes less than 2 minutes to complete.  Fast Closing - Low Rates
EMAIL: support@1floridalending.com