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1st Florida Lending
Direct Mortgage Lenders
AS DIRECT MORTGAGE LENDERS WE SET OUR OWN RULES OFFERING YOU THREE PROMISES  	1.	THE BEST MORTGAGE RATES AVAILABLE 	2.	LOWER FEES OVER THE COMPETITION 	3.	LOAN PROGRAMS TO FIT YOUR BUDGET WE OFFER THE LARGEST SELECTION OF CUSTOM LOAN PROGRAMS IN FLORIDA  Carlos Matos- Chairman
TM
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. 
        Loan Pre-Approval Application Our Loan Pre-Approval Application is for those borrowers who would like to be  pre-approved with a qualifying amount,rate and down payment that collectively meets with your expectations and budget before making a full commitment to move forward. When submitted, one of our professional loan specialist assigned to your account will simply review your credit history, years tax returns and/or bank statements depending on loan type.  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.
   Our Most Popular Loan Programs
CONVENTIONAL LOAN Click here to  Apply Online its fast and easy
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
Foreign National Loans
Foreign National Loan Application
THE INTEGRITY, HONESTY AND CANDOR When selecting an lender to manage the mortgage process for you. It is important to keep in mind that integrity, honesty, and candor are just as important as interest rates.   So, whether you want to refinance at a lower mortgage rate, restructure your debt, achieve new home ownership, obtain a reverse mortgage, refinance or otherwise seek any type of  Mortgage solution.  We are here to provide you with a customized mortgage solution with the best personal service from application to closing. Also, it is important to ask the right questions.  After all, it is not only the institution but also the Loan Officer to whom you will place your trust and confidence.  Our Loan Officers are representatives of our company for which they work.  Therefore, the right company and right individual are critical to obtaining the best outcome
Why Choose Us?
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
When Banks Say No! We Say Yes!  We are happy to report that 40% of our business is turn downs from other Banks and Lenders. 
Let Us Make Your Dream Home A Reality
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?
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
FHA LOANS 
Conventional 97% LTV VA Jumbo Loans USDA Streamline  Foreign National Full Doc Conventional 99% LTV  VA Streamline (IRRRL) Home Community  Foreign National Refinance Jumbo Loans 90% LTV FHA 96.5% LTV Reverse Mortgage Purchase Puerto Rico Borrower Loan 1-Month Bank Statement Loans FHA 203k Streamline  Family Ready  ITIN Non-Citizan Loan 12-Months Bank Statement Loans FHA Reverse Mortgage  Commercial Loans Asset Depletion Loans  24-Months Bank Statement Loans FHA Refinance No-Doc Loans w/ Fico Cash Flow Loans   12 Month Tax Return Program FHA with 550 Fico No-Doc Loans / No Fico Stated CondoTel Loans
Senoir Loan Cordiantor NMLS# 909345 Direct: 321-446-5410 Fax: 321-332-0643 victoria@1floridalending.com
ASK US ABOUT OUR LENDER CREDIT PROGRAM ! 
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1003 Application
Maura Victoria Ralicki
We offer over 48 Loan Programs - When banks say NO - We say YES !