At 1st Florida Lending we offer Florida & California home

purchases and refinances plus non-owner-occupied investor

and commercial property financing in AL, AZ, CA, GA, FL, IL,

IA, KS, KY, LA, MN, MT, ND, OK, PA, SC, SD, TX, and WV

Florida’s Top-Rated Direct Mortgage Lender

Offering 48+ Loan Programs

A+ BBB Rated I 4.8 Google Reviews

Trusted Direct Lender with Decades of Experience Servicing Florida and California for Purchases and Refinancing Primary and Second Homes Offering Investment and Commercial Properties Nationwide
CARLOS MATOS - CEO & FOUNDER
A FEW HIGHLIGHTS 48+ PROGRAMS with LOW RATES DIRECT LENDER - NOT BROKERS WE LIKE CHALLENGING LOANS SAME DAY PRE-APPROVAL LETTERS TRUSTED LENDER FROM FL TO CA CALL OR TEXT US AT 407-300-2558
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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
Click for the BBB Business Review of this Mortgage Lender in Orlando FL
* 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 - 2026 1st Florida Lending Corp. - All rights reserved
Carlos Matos I Florida Direct Lenders
Takes only 60 secs No credit check LOAN PRE-APPLICATION QUOTE

Which No Doc or Stated Funding

Program Meets Your Criteria?

NO DOC FUNDING

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
1. Investment & Hold Properties Obtaining a Real Estate Investment Property Loan can help take your investing needs to the next level with kinds of property types the single-family, multi- family etc..with lowest interest rates > Learn More
2. Rental Investment Loans: An appraisal company determines the estimated qualifying rental income based on comparable owner-occupied properties in the surrounding area to obtain a loan approval. > Learn More
6. Commercial Property Loans: We have been a full range of Commercial Real Estate and Investment Funding in Florida since 2007,. with fast closings by seasoned and licensed loan officer professionals. > Learn More
3. No Doc (Hard Money) Loans: No credit check, no bank statement calculations, no financial’s required… basically nothing! We underwrite this loan based on the “as is” quality of the property… not the borrower! > Learn More
4. Fix & Flip Bridge Loans: A short-term 1 year, interest only (“Bridge”) loan to purchase non-owner occupied properties to hold and sell with no pre-payment penalty. Ask about our 2 year option > Learn More
5. Foreign National Loans Our Foreign National Loans cater to nonresidents of the United States who wish to purchase a vacation home, second home, or investment property with no docs. > Learn More
1. Asset Based Funding Loans: Allows borrowers to use their liquid assets to qualify for the purchase or refinancing a primary and/or second home based on assets instead of traditional verification. > Learn More
2. Self-Employed Funding Loans: Tailored for self-employed individuals or business owners, with qualifying income based on 12 and 24 month bank statement deposits instead of using tax returns > Learn More
Two more Low Doc Funding options for owner-occupied Primary, Second Homes and Investment properties
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8. No Doc Construction-to-Perm Funding utilizing alternative financing for investors, and borrowers with non- traditional income who prefer not to provide tax returns or traditional income documentation.
We offer eight No Doc Funding and two Low Doc Funding Programs designed for: Families who are looking to purchase a primary or second home without showing income or employment. Real Estate Investors building or expanding rental portfolios, Fix and Flip Investors looking to purchase and flip properties Commercial Property Buyers acquiring office buildings, retail spaces, or mixed- use properties, Self-Employed and 1099 Contractors with strong assets but complex tax situations. Business Owners who write off significant expenses, reducing taxable income. Foreign Nationals investing in U.S. real estate. No Doc Construction-to-Perm Funding for investors who want to build their portfolio High-Net-Worth Individuals seeking privacy and efficiency. Anyone who doesn't fit traditional lending guidelines but has strong financial capacity For Non-Owner Occupied Properties • For Investment & Commercial Properties (Non-Owner-Occupied): • Multi-family properties (5+ units) • Commercial real estate (office, retail, industrial) • Mixed-use buildings • Short-term rental properties • Fix-and-flip projects • Portfolio purchases For Owner-Occupied Properties: • Primary residences • Second homes and vacation properties • Select investment properties 1-4 units if you reside in one unit Which one of our eight No Doc Funding Programs and two Low Doc Funding Programs below, is the best fit for your Loan Scenario?

Stated Mortgage Loans

7. No Doc Stated Mortgage for Primary and Second Home Loans > Learn More
No Income or Employment Verification Required to Purchase or Refinance a Primary or Second Home No Income or Employment Verification Required to Purchase or Refinance a Primary or Second Home