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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 STATED INCOME OWNER-OCCUPIED LOANS 

Simply State your Income on the loan application (we dont verify) and provide proof  of Self-Employment for two years  
Program Guidelines & Requirements Two years Self-Employed (CPA Letter and/or Business License) Attest & Declare your income on the loan application For purchases (Max LTV of 75%) For refinance (Max LTV of 70% rate and term or cash out) Minimum credit score to qualify is 650 No mortgage credit events within the last five (5) years Twenty-four (24) month recent mortgage history required No charge offs, collections, or tax liens in the last three (3) years Maximum loan amount of $5,000,000 Minimum loan amount of $150,000 U.S. residents only Owner-occupied only SFR / Condo / Townhouse Property Types Most recent personal bank statement with positive ending statement Closing Funds may come from the account provided for qualifying income Only one-month bank statement is required for assets No Reserve funds required Secondary Financing is not allowed Property must be in good condition and conform to the area No rural properties ________________________________________ ***First-time homebuyers qualify...*** 65% LTV Max OR 60% / 80% LTV/CLTV $2,000,000 Max loan amount 24 Month Rental History
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  

Florida’s Best Direct Mortgage Lender

1st Florida Lending

We offer over 48 Loan Programs

Loan Inquires  (800)655-1345