Luis Alberto Arce 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 our team is that, we believe wholeheartedly in the unique, personal nature of real estate. You will see that revealed in how we follow through on what is promised and carefully guide you through the many steps and decisions along the way. We are  fully committed to 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 you can expect from me: • 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 our companies many resources that can save you valuable time and effort in securing home financing, insurance, and home connections. 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. Luis Alberto Arce Servicio de Personal con una diferencia Usted probablemente sabe lo importante que es encontrar el agente de bienes raíces cuando se está enfocando en una inversión financiera sustancial y tan personal como su casa. Lo que debe saber acerca de mí es que, creemos sinceramente en la naturaleza única, personal de bienes raíces. Verá que revela en la forma en que seguimos adelante con lo que se promete y cuidadosamente le guiará a través de los muchos pasos y decisiones a lo largo del camino. Estamos plenamente comprometidos a proveerle con un nivel sensiblemente más alto de servicio que harán de su experiencia de bienes raíces como fácil y tan libre de estrés como sea posible. Usted puede esperar de nosotros: • el servicio personal y conocedores de que es realmente sensible a sus necesidades • familiaridad a "Vecindad del especialista" con las comunidades locales, los valores de las casas, y tendencias de los precios • asesoramiento y orientación a lo largo de la todo el proceso • Compromiso para ayudar a aprovechar nuestras empresas muchos recursos que le pueden ahorrar tiempo y esfuerzo en la obtención de financiamiento de vivienda,  seguros, y las conexiones domiciliarias. No dude en ponerse en contacto conmigo en cualquier momento, ya sea para empezar a trabajar en ayudar a alcanzar sus objetivos y los sueños, o simplemente para hacer una pregunta. Yo daría la bienvenida a la oportunidad de hacer una diferencia para usted
PREFERRED REALTOR NETWORK
Puerto Rico Borrowers
PUERTO RICO BORROWERS LOAN PROGRAM - ENGLISH
PUERTO RICO BORROWERS LOAN PROGRAM - SPANISH
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
        Loan Pre-Approval Application 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.
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
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.
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?
How to request a Tax Return Filing Certification (Certificacion de Ia Radicacion de las Planillas) online. Step 1. Create an account on the Hacienda website located at http://www.hacienda.gobierno.pr   Step 2.  Complete a Certificacion de Ia Radicacion de Planillas and save it in the account your created Step 3.  Contact Hacienda customer service at (787) 721-2020 and press option 5. Step 4.  Ask the customer service representative at Hacienda to log into your account and download the completed a Certificacion de Ia Radicacion de Planillas,  request a Certificate stamp  and have them send it directly to CIC Credit Fax # 800-329-8898 or Fax #615-292-3587 Please note that your tax certificate needs to be sent to CIC directly from Hacienda via fax.  Do send yourself !  We only accepts forms from Hacienda !  
Luis Alberto Arce -  Real Estate Broker Certified Fractional Consultant 8865 Commodity Cr Suite 13 ,Unit 216 Orlando Florida 32819 Office: 407-738-4864 Cell: 407-350-9578
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 Luis Alberto Arce 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
please indicate silent second
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 ! GET PRE-APPROVED FOR ANY PROGRAM TODAY GET PRE-APPROVED FOR ANY PROGRAM TODAY GET PRE-APPROVED FOR ANY PROGRAM TODAY GET PRE-APPROVED FOR ANY PROGRAM TODAY Program A      Program B     Program C Nationality US Citizen & Foreign National US Citizen & Foreign National US Citizen & Foreign National Loan-to-Value  up to 90%LTV up to 85%LTV up to 80%LTV Minimum Entry FICO  600 500 (Biz)  650 (Personal) 650 Minimum Loan Amount $150,000.00  $150,000.00  $150,000.00 Maximum Loan Amount $2,000,000.00  $2,500,000.00  $3,000,000.00 Interest Rates Click Here Click Here Click Here Loan Terms 30 Yr Fixed / 7-1 ARM   30 Yr Fixed / 7-1 ARM 30 Yr Fixed Cash-Out Refinancing YES YES YES Bankruptcy Seasoning 2 years Not Required Not Required Foreclosure Seasoning 2 years Not Required Not Required Short Sale Seasoning 2 years Not Required Not Required Deed-in-Lieu Seasoning 2 years Not Required Not Required Income Documentation 24 Months Bank Statements  24 Months Bank Statements  24 Months Bank Statements Tax Returns Not Required Not Required Not Required Pre-Pay Penalties NO  NO NO Mortgage Insurance NO NO NO Minimum Reserves 12 Months Not Required 6 Months Gift Funds Allowed Allowed Allowed Seller Concessions Allowed Allowed Allowed Property Types  OUR TOP 3 BANK STATEMENT LOANS - WE ALSO OFFER STATED INVESTMENT LOANS Single Family Residence, Condos, Town homes, 2-4 Unit and Investments - ask about Condotel loans!
Disclaimers: Bank Statement Loan rates are determined by a combination of FICO score, Credit Score, Credit History and Down Payment Amount. 500 FICO are available for business bank statement borrowers / for non-owner occupied only properties.  The figures on this chart above are highlights only and may not represent your actual rate and LTV by comparison.
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
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 550 to get approved  •	 Up to 96.5% LTV (3% down payment! ) •	 15, 20 & 30 year fixed (ARM’s are available)   •	 Gifts and Seller Contributions - OK  •	 No minimum Trade lines