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Direct Mortgage Lenders
Our Foreign National Loan Application is for non-citizen residents 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 up to 75% financing for foreign nationals and offer programs with little or no documentation for with quick, easy approval. 
Our Reverse Mortgage Request Application is for those borrowers who  are interested in obtaining a reverse mortgage.  Once you complete and submit our Reverse Mortgage Request Application, one our professional reverse mortgage loan specialist who can answer any  of your questions and guide you through the application process and  the required supporting documentation and before submitting the loan application to underwriting for approval.
Reverse Mortgage Loans
When Banks Say NO! We Say YES!
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
We are proud of the various charities that our company and team members support !    
Aside from our companies contributions.  We encourage team members to donate there time and money to charities of their choice to support the less fortunate  
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Click for the BBB Business Review of this Mortgage Lender in Orlando FL
What are some of the Qualifications? Up to 80% LTV with 640 min FICO Up to 75% LTV with 620 min FICO NO CREDIT SCORE ? NO PROBLEM W-2 income for wage earners and/or last two year tax returns for non w-2 wage earners and self-employed – OK 24 months statements optional for (self-employed only) New purchases, refinance and cash-out refinancing available No pre-payment penalties No mortgage insurance Gift money from family - OK
Foreign National Loans
Foreign National Loan Application
No-Documentation Loans
Get Pre-Approved for a Self-Employed Bank Statement Loan Today !
WE ARE EXCITED TO PRESENT OUR NEW CONVENTIONAL 1% DOWN WITH EQUITY PLUS LOAN PROGRAM You simply put down 1%,  and we 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 THERE’S NO REASON TO WAIT! CLICK TO APPLY OR CALL TODAY AND GET THE HOME YOU’VE ALWAYS WANTED.
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Program Highlights • Non-US credit accepted • Up to 75% LTV • Up to 50% DTI • Single family, townhouses, condos, 2-4 units • Loans up to $3,000,000 • Rates starting in low 7’s*   • Investment properties • Minimum FICO 640 (Some programs do not require credit report)
What documents do you need?  •  3 Credit references (mortgage, car payment, credit cards, etc..) •  Bank statements   •  If wage earner – Letter from employer •  If Self-Employed –  Accountant verification letter  •  Proof of ownership of home in the country you reside in  •  Proof of funds to close  
* RATES CAN CHANGE WITHOUT NOTICE 
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
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.
CUSTOMER SERVICES Free Credit Consultation Credit Rescoring Service Transportation for disabled Veterans  We will help you obtain a replacement on your DD214 and Eligibility Certificate
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 !  VA guaranteed loans are made by government approved Mortgage Lenders to eligible veterans and their families for the purchase of a home that must be for their own personal occupancy.   
Our new ITIN Tax ID Home Loan Program helps make financing a home easier for qualified Non-US Citizens.  Borrowers do not need a Social Security number and can use there ITIN Tax ID number to qualify! NO CREDIT SCORE ? NO PROBLEM *  If you have an ITIN tax number and 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.). Qualifying Income You income must be generated in the USA – No overseas income allowed. Types of Property That Qualify? Single-family, Multi-Property, Condos, Non-Warrantable Condos, Townhouses, Mobile Homes, Vacant Land, and Investment Property. Fix Loan Terms Available 10, 15, 20 and 30 year. Don’t Have a US Bank Account? You will need to establish a bank account before your loan is closed. Identification If you don’t have a Valid State ID, we a passport and Visa will be required
Jumbo Full Doc Loan - w/ 2 Year Tax Returns 95% LTV from $300k to $1.5 M Purchase or Cash Out Low rates  No Mortgage Insurance  No Pre-Pay Penalty 30 year fixed, 5/1 and 7/1 ARM
PURCHASE YOUR HOME WITH JUST 1% DOWN
We  Say YES!  * When Banks Say NO! TM
BANK STATEMENT LOANS
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” 
Our Wholesale Lending Network: To expand our portfolio of loan programs, we have partnered with many wholesale lending networks across the country to offer you the best rates and terms for your loan scenario under one roof without wasting your time comparison shopping with banks and/or brokers. We offer great Customer Service: At Florida Direct Lending our experienced professional staff is here to answer any questions, problems or offer suggestion.  We also offer a 24/7 online support contact form. The Lending Process:  We will walk you through the whole mortgage lending process and ensure your transactions close smoothly and on time. We are changing lives one loan at a time by offering the largest selection of Mortgage Programs in Florida with over 45 and counting serviced by our professional multilingual staff.  Here are just a few of our loan programs:  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 550 FICO'S * FHA Streamline Non Credit Qualifying * FHA Purchase and Refinance Loans * VA *  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 * Borrowers who have money, but not employed * Reverse Mortgage * Home Renovation * Sub-Prime * Zero FICO Score * Foreign National Stated * Foreign National
Want to know how much you qualify for?  
OBTAIN PRE-APPROVAL LETTER TODAY Its Easy! Fast! and No Obligations - we also accept Credit Karma report that you can provide us for our initial review. 
We pay closing cost on FHA & Conventional Loans * 
Paying for your closing costs includes:  Title Insurance Fees, Government Charges, Recording Fees and Lender Fees. Our No-closing-cost mortgage can saves thousands in upfront fees and may be the ticket to getting a mortgage for a new home or a refinance.   
How does the paying closing cost program work?   Under our lender paid credits program we can pay your closing costs which includes Title Insurance Fees, Government Charges, Recording Fees and Lender Fees.  Our No-closing-cost mortgage can saves thousands in upfront fees and may be the ticket to getting a mortgage for a new home or a refinance.  The minimum FICO score for this program is 620 (middle score). * Disclaimer: 1st Florida Lending Corp will issue a lender paid credits at closing for the amount of your closing costs on both purchase and refinance.  Our Lender Credits are applied at closing and covers the following fees: government recording charges, government stamps and intangible taxes and (please note: all appraisal fees are paid by the borrower and collected at time of your application and will be credited back at closing) All title charges and other third party fees must agreed to in advance. 1st Florida Lending Corp reserves the right to select the closing agent when paying the title charges and may cancel this offer anytime without notice
Click Here to learn more about our FHA loan programs
Secure A No-Documentation Loan and take advantage of investment opportunities as they become available. Our no-doc loans include single family residence, residential investment, multi-family,  apartments, retail spaces,  mixed-use buildings, office, warehouse and 6 Month Interest only Bridge loans.  These loans are not available for owner-occupied properties   One of our loan specialist will contact you with a rate and term. We do not quote rates and terms over the phone.  Complete More Investment Projects o With a No Doc Loan, you can buy more properties.  Instead of putting all your capital into one property, you can put a small amount into multiple properties. Increase Your Profits From Your Investments o Use No Doc Loans to generate more profits from multiple properties and grow your business. Residential Flip Loans o No Doc Loans are perfect for Buy-Fix-Sell projects.  Includes funding for rehab costs. How Does a No Doc Loan work? o No Doc Loans do not rely on the creditworthiness of the borrower. Instead, they look to the value of the property. The lender wants to make sure that if the borrower defaults, there will be sufficient equity in the property over and above the amount of the loan.
For Self-Employed, DBA’s, Sole Proprietors, Corporations, 1099 Independent Contractors and W-2 Wage Earners
OBTAIN PRE-APPROVAL LETTER TODAY Its Easy! Fast! and No Obligations - we also accept Credit Karma report that you can provide us for our initial review. 
Updated for 2017
We are Professional & Reliable Welcome to Florida’s Direct Lenders (we are not brokers) specializing in residential, investment and commercial mortgages. At Florida Direct Lenders aka 1st Florida Lending Corp., we will help find a loan that fits your budget and expectations. Unlike big banks whose loan officers are  overworked, under paid and must work with limited loan product parameters and one size fits all rates and terms.  We offer over 50 loan  programs with hundreds of matrixes, managed by highly skilled licensed  loan officers (not unlicensed order takers) who know what it takes to get your loan through underwriting quickly.
Let one of our experienced loan officers provide you with a loan program, rate and terms . We will not pull your credit  !!