About I have been providing clients highest level of real estate service with integrity, discretion and professionalism. I have an excellent international business background and keen ability to build a relationship with my clients to effectively and creativity satisfy through your real estate goals. I specialize in Windermere and surroundings areas of  Orlando homes. If you are someone who is looking to sell your home, I want to make sure that your home is given all of the attention it needs to be promoted for the highest value possible in our marketplace.  If you are looking to buy a home, I will make sure that I do everything I can to give you the tools needed to help you find your dream home and provide you the guidance and support that is needed throughout your entire buying or selling experience. My website can be used as a powerful tool for both selling and buying Real Estate in Orlando and surrounding areas. If you are looking to buy a home , I can help to make sure that you receive new listings as soon as they hit market! Contact me today to take advantage of this powerful tool and other methods to ensure you make a solid purchase decision. Please navigate around my website to use many of my valuable real estate tools. If you are selling your home, listing your home with me can be extremely valuable. Not only will I list your home on my website for all to see but by doing so I will also list your home on powerful national search engines such as Google Base, Trulia, Zillow, Oodle and others!  By doing this, we will give your home LOTS of attention and bring you as many potential buyers as possible! Feel free to contact me any time, whether it's to get started on helping you realize your goals and dreams, or just to ask a question.  I would welcome the opportunity to make a difference for you. Cynthia Noto - a Testimonial !   Personal Service with a Difference!    You probably know how important it is to find the right real estate agent when you are focusing on a financial investment as substantial and as personal as your home.   What you should know about Cynthia is that she believes wholeheartedly in the unique, personal nature of real estate.  You will see that revealed in how she follows through on what is promised and carefully guide you through the many steps and decisions along the way. She is fully committed in providing you with a noticeably higher level of service that will make your real estate experience as easy and as stress-free as possible.  What can expect from her?  • Personal and knowledgeable service that is genuinely responsive to your needs • A "Neighborhood Specialist's" familiarity with local communities, home values, and price trends • Advice and guidance throughout the entire process • Commitment to help you leverage her many resources that can save you valuable time and effort in securing your new home or selling an existing home. 1st Florida Lending
PREFERRED REALTOR NETWORK
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.  
1st Florida Lending can Pre-Approve your Mortgage
Our New Jumbo 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
Click for the BBB Business Review of this Mortgage Lender in Orlando FL
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
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.
NEW JumboVantage  95LTV      Highlights Loans up to $2.5 Mil @ 85% LTV / rates start at 4.25% Loans up to $1.5 Mil @ 95% LTV / rates start at 4.65% Minimum Loan Amount $250,000 Cash Out Refi up to 90% 7/1 Arm - 30yr Amortized Payment No MI & Pre- Payment Penalty We offer 7 seven JUMBO LOAN PROGRAMS.  5/1 ARM, 7/1 ARM and 30yr Fixed. Call us or ask your loan officer for more details
Cynthia Noto- Lic. Real Estate Agent Adepta Realty 6236 Kingspointe  *kwy. Suite 5 * Orlando, FL 32819 Direct: (407) 797-9114 cynthianotorealtor@gmail.com Instagram: @cynthianoto facebook.com/cynthianotorealtor website: www.cynthianoto.com
Selecting the right Real Estate Agent when making the largest purchase of your life is an important part of the home buying process.  We welcome Cynthia Noto to our Preferred Realtor Network which includes some of the top real estate agents and companies in Florida.   
Welcome to our
FHA Direct Loans
100 % LTV FOR FHA PURCHASE USING A SILENT SECOND  We now offer a 100% LTV FHA loan using a silent second to offset the required 3.5% down payment.  It is important to note that there is no repayment of the silent second if the Borrowers income does not exceed 115% of the Area Medium Income (AMI) limits in Florida (view chart). In this case, we will allow interest rates as low as ZERO and the silent second goes away after 3 years. Also there is no repayment required if the borrower keeps the Mortgage for 3 years! - 100% LTV for FHA Purchase Only - Minimum 620 FICO to Qualify Other Zero Down payment options for (FHA,VA,USDA)Its common knowledge that the Federal Housing Administration (FHA) loans require a 3.5% down payment, which can be quite a lot of money for some borrowers.  The FHA rule allows a borrower to receive a gift for the entire down payment. The gift can be from a family member, non-profit organization, fiance, or other eligible down payment gift source. That means you don’t need any of your own money to buy with FHA, if you can find a source for the gift FHA LOANS HAVE MINIMAL DOWN PAYMENT AND CLOSING FEES: Down payment only 3.5% of the purchase price. Gifts from family or Grants for down payment assistance and closing costs OK! No reserves or future payments in account required. Seller can credit buyers up to 6% of sales price towards buyers costs. FHA regulates closing costs. FHA LOANS EASY QUALIFICATIONS: Obtain an FHA loan 3 years after a Foreclosure.  Purchase a Florida home 12 months after a chapter 13 Bankruptcy Purchase a Florida 24 months after a chapter 7 Bankruptcy. Minimum FICO credit score of 580 required for 96.5% financing. Have bad credit? Minimum FICO scores of 540 required for 90% financing FHA LOANS ALLOW HIGHER DEBT TO INCOME & EASIER JOB QUALIFYING FHA allows higher debt ratio's than any other Florida home loan programs. Less than two years on the same job is OK! Self-employed buyers can also qualify for FHA.
FHA LOANS
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Why a Bank Statement Loan?  Many of the self-employed business owners and independent contractors have excellent 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.   we offer 12 programs with low FICO entries and up to 90% LTV which may vary with scores and credit. We also just added w-2 with pay stubs eligibility to our stated loan program       
Get Pre-Approved for a Bank Statement Loan Today !
Bank Statement Loans TM
FOREIGN NATIONAL LOANS
Foreign National Loan Program Highlights Program rates, terms, requirements and details can change without notice. Please check with your assigned loan   officer for more details. Scenario 1  • To $3,000,000 -  No Fico Minimum • Stated Income - Verified Asset Loans • Non Owner Occupied 1 - 4 Unit Properties • Owner Occupied Second home • Foreign National Loans • Fix & Flip Purchases • Cross Collateralization Loans • Non-Warrantable Condo's • Condotels • No Pre-Payment Penalties • 7/1 Arm - 30yr Amortized Payment Scenario 2 •Non-US credit accepted •Up to 75% LTV •Up to 50% DTI •Single family, townhouses, condos, 2-4 units • Non Owner Occupied 1 - 4 Unit Properties • Owner Occupied Second home Scenario 3 • To $1,000,000 -  No Fico Minimum • Non Owner Occupied 1 - 4 Unit Properties • Owner Occupied Second home • No Reserve Requirements • No Seasoning for FC, SS or BK
IMPORTANT DISCLAIMER:  ALL LOAN PROGRAMS, GUIDELINES, RATES AND LTV’S ARE SUBJECT TO CHANGE WITHOUT NOTICE.  1ST FLORIDA LENDING CORP., AT ITS OWN DISCRETION, RESERVES THE RIGHT TO CANCEL ANY OF THE LOAN PROGRAMS ADVERTISED ABOVE AND/OR ANY ONGOING APPLICATION UNDER REVIEW.