Hometown Heroes Down Payment
Assistance Program for 2025 - Up
to $35,000 Available
Limited Funding Alert: The Hometown
Heroes Program is funded annually and
awarded first-come, first-served. When
funds run out, new reservations pause
until the next funding cycle.
1st Florida Lending Corp., a registered Mortgage Lender
Orlando servicing only the State 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)856-7097 * (800) 655-
1345 * (407) 300-2558 * Fax (877) 401-9955
* 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 any loan
we be approved. Licensed in Florida Only. When Banks
Say No ! We Say YES ! ® is a registered trademark owned
by 1st Florida Lending Corp. Florida lender license #
MLD106.
© 2007 - 2025 1st Florida Lending Corp. - All rights reserved
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 Realtor’s
succeed. Click here to learn more
about why it is important to hire a
Realtor
REALTORS MAKE
THE LOAN PROCESS
MORE EFFICIENT
TURNED DOWN BY YOUR LENDER? CALL US!
USDA is for financing qualifying
properties in rural areas. USDA loans
offer low interest s 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
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.
There are 3 types of refinancing (rate-
and-term, cash-out, and cash-in)
depending on your individual needs. The
most popular refinancing is rate-and-
term to take advantage of lower rates or
cash-out to consolidate, pay down or pay
off debt and/or shortening their loan
term, or a combination of the above.
A vacant land loan is a specialized
type of loan used to finance the
purchase of undeveloped land or a
vacant lot. Unlike a mortgage loan,
which is intended for buying a home,
a land loan is specifically designed for
acquiring raw land. CLICK HERE TO
LEARN KEY POINTS OF VACANT
LAND LOANS:
We offer a full range of Commercial Real
Estate and Investment Property loans
for most property types at very
competitive rates with just the right
terms with fast closing timelines to pay
off an over-due note or to complete a
purchase with a fast approaching
deadline!
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.
Bridge Loans are great for Fix and Flips,
Replacing Loan Denials or if you need
quick cash There are no income or
employment verification needed to
qualify. Only an appraisal and source of
funds to close with some reserves. This
program does not require a credit score
or investor experience
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.
VACANT LAND LOANS
Anyone can purchase, refinance or
cash-out refinance your Investment
property with No Income or
Employment Verification. You can
qualify based on current rental
income or if there is no rental income.
We can qualify you based on the
Appraisers estimated rental income.
1 YEAR BRIDGE LOAN / NO PREPAY
Which No Doc Funding
Program Meets Your Criteria?
BANK STATEMENT LOANS
STATED NO INCOME MORTGAGE
ASSET DEPLETION MORTGAGE
90% LTV PRIMARY PURCHASE
12 or 24 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
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%
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
FOREIGN NATIONAL LOANS
ITIN & DACA LOANS
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
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
Call 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
We are ranked as Florida’s #1 Self-Employed
Bank Statement Direct Mortgage Lender
for the last 10 years
Below is a list of different types
of No Doc and Low Doc Funding
Mortgage program options for
various types of properties.
These options can be helpful for borrow-
ers who may not have the traditional docu-
mentation required for mortgage approval.
However, it's important to note that the
availability and terms of these loans can
vary depending on which program meets
your criteria, and market conditions.
1. No Doc Investment Loans:
2. Low Doc DSCR Investment Loans:
3. No Doc Commercial Property Loans:
4. No Doc (Hard Money) Loans:
5. No Doc Fix and Flip Bridge Loans:
6. No Doc Rehab Bridge Loans:
7. No Doc Stated Mortgage Funding:
8. Low Doc Asset Depletion Loans:
9. Self-Employed Stated Income Loans:
10. Self-Employed Stated Income
HELOC/Second Mortgage
NO DOC FUNDING
As of July 1, 2025, Funding for the Florida
Hometown Heroes Down Payment Assistance
including the fallout funds has been re-funded in
Florida The First Time Home Buyers, is not just
community workers while funds are available! For
those borrowers who qualify, can receive up to 5% of
their home loan amount (capped at $35,000) in down
payment and closing cost assistance. It can be paired
with additional assistance programs to maximize
amount of received assistance. There is also a
$10,000 grant minimum for loans of $200,000 or less
