CARLOS MATOS - CHAIRMAN
Click for the BBB Business Review of this Mortgage Lender in Orlando FL
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 We are Approved VA Lenders ! 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 VA PROGRAM HIGHLIGHTS • 100% Financing • Competitive interest rates • No PMI (private mortgage insurance) • FICO starting at 580 + • Disabled Veterans pay no Property Tax in Florida. THE NEW VA MORTGAGE HOME LOAN ADVANTAGE Here are 6 Reasons to Own 1. Build Equity 2. Tax Deduction Savings 3. Stabilize Monthly Payments 4. Maintenance Choices 5. No Pet Restrictions 6. Gain Sense of Community these are just to name a few.. WHY RENT ? WHEN YOU CAN OWN ? Discover the path to owning the home of your dreams We offer the largest selection of custom loan programs in Florida and can assist you with transitioning from renting a home to owning a home.. Zero Money Down Programs Available Aside from the Military outreach programs that we proudly support. 
and much much more . . .
Carlos Matos I Florida Direct Lenders

Acquiring the professional services of a Realtor is very important when Buying or Selling a home. At 1st Florida

Lending Corp, we view our work with Realtors as a top priority. A good Realtor can make the mortgage process

move faster and with more efficiency as we make every effort to help Realtors succeed.

CLICK TO READ MORE > A GOOD REALTOR CAN MAKE THE MORTGAGE PROCESS MOVE FASTER AND WITH MORE EFFICIENCY !
1st Florida Lending
Self-Employed Mortgage Loans
CONVENTIONAL LOANS - 6 Programs Conventional - Purchase Conventional - Refinance Conventional - Cash-Out Refinance SELF-EMPLOYED LOANS - 14 Programs 1 to 3 Months Bank Statement Loans 12-Months Bank Statement Loans 24-Months Bank Statement Loans W-2 to 1099 Self-Employed FHA LOANS - 8 Programs FHA 96.5% LTV at 580 FICO FHA below 580 FICO FHA Refinance FHA 203K Streamline 100% CLTV FHA Loans VA LOAN PROGRAMS - 4 Program VA Purchase VA Streamline Refinance VA Jumbo Loans VA Streamline (IRRRL) USDA LOANS - 3 Programs USDA 100% LTV USDA Streamline USDA Home Improvement Loan NO-INCOME VERIFY LOANS - 9 Programs Commercial Investment Investment Purchase Investment Rental Bridge Loans STATED MORTGAGE LOANS FOREIGN NATIONAL LOANS - 6 Programs 80% LTV Foreign National Stated Income Foreign National Full Documentation ITIN Non-US Citizen Loan REVERSE MORTGAGE LOAN - 3 Programs Single-purpose Reverse Mortgage Proprietary Reverse Mortgage Investment Reverse Mortgage SPECIALTY LOAN PROGRAMS Construction-to-Perm -Temp Suspended Family Ready Home Community Asset Depletion Loans Vacant Land Condotel Loans CARLOS MATOS - CHAIRMAN A + Rated by the BBB Fast Approvals / Low Rates No Down Payment FHA purchase Excellent Google Reviews SUPER LENDER 2007 - 2023 OVER 48 LOAN PROGRAMS - MORE THAN ANY OTHER DIRECT LENDER IN THE STATE OF FLORIDA Over 48 loan programs We are Direct Mortgage Lenders Manually Underwrite Challenging Loans Same Day Loan Pre-Approval Letters Why Choose Us? WE ARE THE REVERSE MORTGAGE PROFESSIONALS Getting the most our of Retirement with a Reverse Mortgage ! • Get Rid of Mortgage Payments • Purchase a new home • Make Retirement Funds Last Longer • Home Modifications for Safe Aging Travel • Gifts for Grandchildren • Funds for Health Care • Payoff Debts • Buy a New Car or Motor Home • Move closer to family • Receive a monthly stipend for Life CLICK LEARN MORE > CLICK LEARN MORE > At 1st Florida Lending Corp, we have been closing Commercial Real Estate and Investment Property Loans in Florida since 2007 offering fast funding by seasoned professionals. We offer a full range of Commercial Real Estate and non-owner occupied Investment Property Loan programs including No Income Verification, Self-Employed, Full Doc, No-Doc and Stated Income for any property type and financial situation. Our most popular loan programs are listed below for your review REQUEST QUOTE > REQUEST QUOTE > Carlos Matos CEO &FOUNDER
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100% LTV SUPER JUMBO

Stated Mortgage Home Loan Program No Income or Employment Required to Purchase or Refinance for a Primary or Second Home CLICK LEARN MORE > VOE LOANS ONLY VERIFICATION OF EMPLOYMENT REQUIRED TO PURCHASE YOUR HOME NO TAX RETURNS NO PAYSTUBS NO W2’s QUICK QUOTE > REQUEST A QUOTE > What is a NO DOC LOAN? A True “NO DOC LOAN”  is available for non-owner-occupied properties only and does not require a credit score,  bank statements,   financial’ s or reserves! Basically, nothing except confirming your source the funds to close.   How Does a No Doc Loan work? 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. REQUEST A QUOTE > CLICK LEARN MORE > SELF-EMPLOYED 90% LTV PRIMARY PURCHASE  12 MONTHS BANK DEPOSITS  NO TAX RETURNS REQUIRED  NO MORTGAGE INSURANCE  600 FICO FOR SOME PROGRAMS  MULTIPLE ACCOUNTS PERMITTED  LOW RATES BUY DOWN OPTIONS  CO-BORROWERS CAN USE ALTERNATIVE INCOME LIKE W2, SOCIAL SECURITY AND RENTAL REQUEST A QUOTE > CLICK LEARN MORE > STATED MORTGAGE 80% LTV PRIMARY PURCHASE  NO INCOME VERIFICATION  NO EMPLOYMENT VERIFICATION  NO DEBT TO INCOME RATIOS  NO TAX RETURNS  MIN 640 FICO SCORE  PRIMARY OR SECOND HOMES ONLY  NO INVESTMENT PROPERTIES  30 YR FIXED AND 1/6 ARM TERMS  SELLER CREDIT UP TO 6% REQUEST A QUOTE > CLICK LEARN MORE > ASSET MORTGAGE 80% LTV PRIMARY PURCHASE  NO INCOME VERIFICATION  NO EMPLOYMENT VERIFICATION  NO TAX RETURNS  MIN 640 FICO SCORE  YOUR ASSETS ARE UTILIZED TO ESTABLISH A MONTHLY INCOME TO PURCHASES OR REFINANCE YOUR PRIMARY HOME, SECOND HOME OR INVESTMENT PROPERTY DPA FHA LOAN DOWN PAYMENT ASSISTANCE  96.5% LTV WITH 600 FICO  PRIMARY HOME PURCHASE ONLY  NO INVESTMENT PROPERTIES  MANUFACTURED ELIGIBLE  MUST BE A FIRST TIME HOME BUYER  DPA COUNSELING REQUIRED  SELLER CREDIT UP TO 6%  NO RESERVE REQUIREMENTS  FAST APPROVALS FHA LOAN 3.5% DOWN PAYMENT  96.5% LTV WITH 580 FICO  90% LTV WITH 550 FICO  PRIMARY HOME PURCHASE & REFI’S  NO INVESTMENT PROPERTIES  MANUFACTURED ELIGIBLE  GIFTS FOR CLOSING COSTS OK!  SELLER CREDIT UP TO 6%  NO RESERVE REQUIREMENTS  FAST APPROVALS MAX FHA LOAN ZERO DOWN PAYMENT FHA  MINIMUM FICO SCORE IS 600  PRIMARY HOME PURCHASES ONLY  NO INVESTMENT PROPERTIES  SELLER CREDIT UP TO 6%  FHA FIRST WITH A SUBORDINATE FINANCING FOR THE SECOND TO ACHIEVE 100% CLTV  YOU DO NOT HAVE TO BE A FIRST TIME HOME BUYER! We close 80% of loans that are turned down by banks, nation wide lenders and local direct lenders alike...How? Simply stated, most lending institutions are not willing to spend the time or resources to approve borrowers whose profile does not meet the industry matrix criteria. The good news is that we do! Dont Panic - Refinance Today with Super Low Interest Rates Some of the Benefits  LOWER RATE - LOWER PAYMENTS  REDUCE OR INCREASE LOAN TERM  CASH-OUT  CONSOLIDATE DEBT  STOP FHA FORECLOSURE  ELIMINATE MORTGAGE INSURANCE  MOVE FROM ARM TO FIXED RATE  TO GO FULLY AMORTIZED  SKIP MORTGAGE PAYMENT  FHA & VA NO INCOME DOC PROGRAM REQUEST A QUOTE > CLICK LEARN MORE > REQUEST A QUOTE > CLICK LEARN MORE > REQUEST A LOAN PRE-APPRVOAL LETTER> 1st Florida Lending's Certified Loan Pre-Approval Letter is the gold standard. Unlike others, we review and validate the borrowers credit and finances which is a critical component in backing up the borrowers loan amount as well as showing the seller and/or seller's agent that the borrower is a serious, pre-qualified buyer Certified Loan Pre-Approval Letter REQUEST A QUOTE > CLICK LEARN MORE > REQUEST A QUOTE > CLICK LEARN MORE > REQUEST A QUOTE > CLICK LEARN MORE > VOE MORTGAGE 85% LTV PRIMARY PURCHASE  NO TAX RETURNS REQUIRED  NO W2'S REQUIRED  NO PAY STUBS REQUIRED  CREDIT SCORE AS LOW AS 620  UP TO 85% LTV PRIMARY PURCHASE  $150,000 UP TO $5 MILLION  100% USE OF GIFT FUNDS  VERIFICATION OF 2 YEARS EMPLOYMENT ITIN & DACA LOANS 90% LTV PRIMARY PURCHASE  W2 OR SELF-EMPLOYED INCOME  90% LTV w/ 740 ++ CREDIT  85% LTV w/ MIN 700 CREDIT  80% LTV w/ 660 TO 719 CREDIT  75% LTV IF NO CREDIT  NEW PURCHASES AND REFI’S  NO PRE-PAYMENT PENALTIES  NO MORTGAGE INSURANCE  PRIMARY / SECOND HOMES ONLY FOREIGN NATIONAL 75% LTV PRIMARY PURCHASE  $200K UP TO $4 MILLION  RATES START IN THE HIGH 4'S  75% LTV PURCHASES  65% LTV REFINANCING  VACATION OR RENTAL PROPERTY OK  30 YEAR FIXED AND 7/1 ARM TERMS  NO INCOME VERIFICATION OPTION  NO CREDIT SCORE OPTION  NO RESERVES IN MOST LOANS
Florida’s Top Rated Direct Mortgage Lender with A+ BBB Rating We Offer More Than 48 Loan Programs 800-655-1345 I Call or Text us at 407-300-2558 We offer over 48 loan programs in every county in the State of Florida as follows; Alachua County,Baker County,Bay County,Bradford County,Brevard County,Broward County,Calhoun County,Charlotte County,Citrus County,Clay County,Collier County,Columbia County,DeSoto County,Dixie County,Duval County,Escambia County,Flagler County,Franklin County,Gadsden County,Gilchrist County,Glades County,Gulf County,Hamilton County,Hardee County,Hendry County,Hernando County,Highlands County,Hillsborough County,Holmes County,Indian River County,Jackson County,Jefferson County,Lafayette County,Lake County,Lee County,Leon County,Levy County,Liberty County,Madison County,Manatee County,Marion County,Martin County,Miami-Dade County,Monroe County,Nassau County,Okaloosa County,Okeechobee County,Orange County,Osceola County,Palm Beach County,Pasco County,Pinellas County,Polk County,Putnam County,Santa Rosa County,Sarasota County,Seminole County,St. Johns County,St. Lucie County,Sumter County,Suwannee County,Taylor County,Union County,Volusia County,Wakulla County,Walton County,Washington County SELF-EMPLOYED BANK STATEMENT LOAN PROGRAMS We are Ranked #1 in the State of Florida with a 99 % closing rate for Self Employed Bank Statement Loans With offer over 14 programs it is fast 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 CLICK HERE TO LEARN MORE >
© 2007 - 2023 1st Florida Lending Corp. - All rights reserved I Privacy Policy I Terms of Use I
ASSET DEPLETION LOANS  REQUEST QUOTE NOW
Asset depletion is a calculation of a borrower's liquid assets to determine a qualifying monthly income to service the loan amount. Liquid assets generally include checking, savings, 401k, pensions, stocks and other investments etc. that could easily liquidated or turned into cash.
REQUEST QUOTE > REQUEST QUOTE > Carlos Matos CEO &FOUNDER  ! When Banks Say No! We Say Yes! YOUR LOAN PROGRAM ! YOUR RATE ! YOUR TERMS! The 1st Florida Lending Promise At 1st Florida Lending we want to help you confidently choose the best mortgage and save money. To do that, you need a team that has one priority - that is YOU ! * A Florida Direct Lender that Cares * * The Team with a Heart to Truly Help * * We Take Trouble Out of the Equation * CLICK FOR QUICK QUOTE CLICK LEARN MORE >

SECOND MORTGAGE LOANS

Stated Mortgage Home Loan Program No Income or Employment Required to Purchase or Refinance for a Primary or Second Home CLICK LEARN MORE > VOE LOANS ONLY VERIFICATION OF EMPLOYMENT REQUIRED TO PURCHASE YOUR HOME NO TAX RETURNS NO PAYSTUBS NO W2’s QUICK QUOTE > REQUEST A QUOTE > What is a NO DOC LOAN? A True “NO DOC LOAN”  is available for non-owner-occupied properties only and does not require a credit score,  bank statements,   financial’ s or reserves! Basically, nothing except confirming your source the funds to close.   How Does a No Doc Loan work? 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. REQUEST A QUOTE > CLICK LEARN MORE > SELF-EMPLOYED 90% LTV PRIMARY PURCHASE  12 MONTHS BANK DEPOSITS  NO TAX RETURNS REQUIRED  NO MORTGAGE INSURANCE  600 FICO FOR SOME PROGRAMS  MULTIPLE ACCOUNTS PERMITTED  LOW RATES BUY DOWN OPTIONS  CO-BORROWERS CAN USE ALTERNATIVE INCOME LIKE W2, SOCIAL SECURITY AND RENTAL REQUEST A QUOTE > CLICK LEARN MORE > STATED MORTGAGE 80% LTV PRIMARY PURCHASE  NO INCOME VERIFICATION  NO EMPLOYMENT VERIFICATION  NO DEBT TO INCOME RATIOS  NO TAX RETURNS  MIN 640 FICO SCORE  PRIMARY OR SECOND HOMES ONLY  NO INVESTMENT PROPERTIES  30 YR FIXED AND 1/6 ARM TERMS  SELLER CREDIT UP TO 6% REQUEST A QUOTE > CLICK LEARN MORE > ASSET MORTGAGE 80% LTV PRIMARY PURCHASE  NO INCOME VERIFICATION  NO EMPLOYMENT VERIFICATION  NO TAX RETURNS  MIN 640 FICO SCORE  YOUR ASSETS ARE UTILIZED TO ESTABLISH A MONTHLY INCOME TO PURCHASES OR REFINANCE YOUR PRIMARY HOME, SECOND HOME OR INVESTMENT PROPERTY DPA FHA LOAN DOWN PAYMENT ASSISTANCE  96.5% LTV WITH 600 FICO  PRIMARY HOME PURCHASE ONLY  NO INVESTMENT PROPERTIES  MANUFACTURED ELIGIBLE  MUST BE A FIRST TIME HOME BUYER  DPA COUNSELING REQUIRED  SELLER CREDIT UP TO 6%  NO RESERVE REQUIREMENTS  FAST APPROVALS FHA LOAN 3.5% DOWN PAYMENT  96.5% LTV WITH 580 FICO  90% LTV WITH 550 FICO  PRIMARY HOME PURCHASE & REFI’S  NO INVESTMENT PROPERTIES  MANUFACTURED ELIGIBLE  GIFTS FOR CLOSING COSTS OK!  SELLER CREDIT UP TO 6%  NO RESERVE REQUIREMENTS  FAST APPROVALS MAX FHA LOAN ZERO DOWN PAYMENT FHA  MINIMUM FICO SCORE IS 600  PRIMARY HOME PURCHASES ONLY  NO INVESTMENT PROPERTIES  SELLER CREDIT UP TO 6%  FHA FIRST WITH A SUBORDINATE FINANCING FOR THE SECOND TO ACHIEVE 100% CLTV  YOU DO NOT HAVE TO BE A FIRST TIME HOME BUYER! We close 80% of loans that are turned down by banks, nation wide lenders and local direct lenders alike...How? Simply stated, most lending institutions are not willing to spend the time or resources to approve borrowers whose profile does not meet the industry matrix criteria. The good news is that we do! Dont Panic - Refinance Today with Super Low Interest Rates Some of the Benefits  LOWER RATE - LOWER PAYMENTS  REDUCE OR INCREASE LOAN TERM  CASH-OUT  CONSOLIDATE DEBT  STOP FHA FORECLOSURE  ELIMINATE MORTGAGE INSURANCE  MOVE FROM ARM TO FIXED RATE  TO GO FULLY AMORTIZED  SKIP MORTGAGE PAYMENT  FHA & VA NO INCOME DOC PROGRAM REQUEST A QUOTE > CLICK LEARN MORE > REQUEST A QUOTE > CLICK LEARN MORE > REQUEST A LOAN PRE-APPRVOAL LETTER> 1st Florida Lending's Certified Loan Pre-Approval Letter is the gold standard. Unlike others, we review and validate the borrowers credit and finances which is a critical component in backing up the borrowers loan amount as well as showing the seller and/or seller's agent that the borrower is a serious, pre-qualified buyer Certified Loan Pre-Approval Letter REQUEST A QUOTE > CLICK LEARN MORE > REQUEST A QUOTE > CLICK LEARN MORE > REQUEST A QUOTE > CLICK LEARN MORE > VOE MORTGAGE 85% LTV PRIMARY PURCHASE  NO TAX RETURNS REQUIRED  NO W2'S REQUIRED  NO PAY STUBS REQUIRED  CREDIT SCORE AS LOW AS 620  UP TO 85% LTV PRIMARY PURCHASE  $150,000 UP TO $5 MILLION  100% USE OF GIFT FUNDS  VERIFICATION OF 2 YEARS EMPLOYMENT ITIN & DACA LOANS 90% LTV PRIMARY PURCHASE  W2 OR SELF-EMPLOYED INCOME  90% LTV w/ 740 ++ CREDIT  85% LTV w/ MIN 700 CREDIT  80% LTV w/ 660 TO 719 CREDIT  75% LTV IF NO CREDIT  NEW PURCHASES AND REFI’S  NO PRE-PAYMENT PENALTIES  NO MORTGAGE INSURANCE  PRIMARY / SECOND HOMES ONLY FOREIGN NATIONAL 75% LTV PRIMARY PURCHASE  $200K UP TO $4 MILLION  RATES START IN THE HIGH 4'S  75% LTV PURCHASES  65% LTV REFINANCING  VACATION OR RENTAL PROPERTY OK  30 YEAR FIXED AND 7/1 ARM TERMS  NO INCOME VERIFICATION OPTION  NO CREDIT SCORE OPTION  NO RESERVES IN MOST LOANS
Florida’s Top Rated Direct Mortgage Lender with A+ BBB Rating We Offer More Than 48 Loan Programs 800-655-1345 I Call or Text us at 407-300-2558 We offer over 48 loan programs in every county in the State of Florida as follows; Alachua County,Baker County,Bay County,Bradford County,Brevard County,Broward County,Calhoun County,Charlotte County,Citrus County,Clay County,Collier County,Columbia County,DeSoto County,Dixie County,Duval County,Escambia County,Flagler County,Franklin County,Gadsden County,Gilchrist County,Glades County,Gulf County,Hamilton County,Hardee County,Hendry County,Hernando County,Highlands County,Hillsborough County,Holmes County,Indian River County,Jackson County,Jefferson County,Lafayette County,Lake County,Lee County,Leon County,Levy County,Liberty County,Madison County,Manatee County,Marion County,Martin County,Miami-Dade County,Monroe County,Nassau County,Okaloosa County,Okeechobee County,Orange County,Osceola County,Palm Beach County,Pasco County,Pinellas County,Polk County,Putnam County,Santa Rosa County,Sarasota County,Seminole County,St. Johns County,St. Lucie County,Sumter County,Suwannee County,Taylor County,Union County,Volusia County,Wakulla County,Walton County,Washington County SELF-EMPLOYED BANK STATEMENT LOAN PROGRAMS We are Ranked #1 in the State of Florida with a 99 % closing rate for Self Employed Bank Statement Loans With offer over 14 programs it is fast 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 CLICK HERE TO LEARN MORE >
© 2007 - 2023 1st Florida Lending Corp. - All rights reserved I Privacy Policy I Terms of Use I
95% LTV JUMBO LOANS 95% LTV JUMBO LOANS
Our Jumbo land Super Jumbo loans are ideal for home buyers looking for higher priced luxury homes. These loans are designed to simplify home buying in pricey markets by covering the full cost of the loan, so there is no need for borrowers to drain their cash reserves.
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Real Estate Investment Loans can be a long-term or a short-term endeavor and the needs of real estate investors are different from the needs of a typical home buyer. At 1st Florida Lending we understand investment financing and make it easy to obtain funding using different sources of income.
REVERSE MORTGAGE LOANS REVERSE MORTGAGE LOANS
A Reverse Mortgage loan for homeowners over the age of 62 that can access a portion of the home’s equity and uses the home as collateral. The loan generally does not have to be repaid until the last surviving homeowner permanently moves out of the property or passes away.
Our VA Loan as 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, these benefits allow substantial cost savings.
USDA is for financing qualifying properties in rural areas. USDA loans offer low interest rates and 100% financing. Never assume that you wont qualify. Contact our certified USDA loan officers who will quickly identify your needs, and offer you the type of expert advice you deserve
A Second Mortgage allows you to use your home’s equity and put it to work. Instead of having that money tied up in your home. It’s available for expenses you have right now. We offer both Self-Employed using Bank Statement to qualify as well as Full Doc Second Mortgages.
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LEARN MORE > SELF-EMPLOYED HELOC SECOND MORTGAGE! NOW YOU CAN OBTAIN CASH OUT FROM THE EQUITY ON YOUR PRIMARY OR SECOND HOME WITHOUT TOUCHING YOUR 1ST MORTGAGE.