1st Florida Lending — When Banks Say No! We Say Yes!
Florida's Top-Rated Direct Mortgage Lender48 + loan programs with 112 lending solutions We are A+ Rated with Better Business Bureau 4.8★ Google rated with 100's of reviews CALL OR TEXT US AT 407-300-2558

Our Lending Programs

We offer 48+ core loan programs with 112 lending solutions  — Even for the most challenging scenarios.

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No-DTI Stated Mortgage Program

NO INCOME VERIFICATION

NO EMPLOYMENT VERIFICATION

NO DTI CALCULATED FOR LOAN APPROVAL

SELECT FROM 1 LOAN PROGRAM CLICK LINK TO LEARN MORE

  1. 1. Purchase, Refinancing primary or second homes
  2. 2. No income verification
  3. 3. No employment verification
  4. 4. No tax returns
  5. 5. No 1099s
  6. 6. No W-2s
  7. 7. No DTI calculated

Direct Lending Advantage, Simplified

As direct lenders, we can review, approve, and fund loans in our own name without unnecessary middlemen or unexpected handoffs. That means you work with one dedicated team from application through closing, giving you a more transparent and streamlined lending experience.

  • Faster decisions: Because we manage the process directly, approvals can move more efficiently.

  • Clear communication: You have a single point of contact who understands your loan from start to finish.

  • Potentially better terms: In some cases, eliminating intermediaries may help reduce costs or improve loan options.

  • Smoother closings: With fewer parties involved, the path from application to closing day can be simpler and more predictable.

Fast Closings

Most loans close in 21 days or less.

Direct Lender

We can fund loans in our name - no broker markup.

Local Florida Experts

Loan officers who know your market.

Digital Application

Apply, upload, and e-sign from your phone.

Low Rates

We offer competitive rates with all programs.

A+ BBB Rated

Verified 5★ reviews.