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Carlos Matos I Florida Direct Lenders
1st Florida Lending
Aside from the Military outreach programs that we proudly support.  Carlos Matos  CEO &FOUNDER

We Offer over 48 Loan Programs

Conventional Loans - 6 programs Self-Employed Loans - 14 programs FHA Loans - 8 programs VA Loan Programs - 4 programs USDA Loans - 3 programs No-Income Verification Loans - 9 programs Foreign National Loans - 6 programs No Income / No Employment Stated Home Loans Reverse Mortgage Loans Asset Depletion Loans Construction-to-Perm Loans - suspended Non-Warrantable Condos & Condotels Loans Fix and Flip Bridge 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
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CLICK HERE TO  REQUEST A QUOTE   Its Easy! Fast! and No Credit Check   SAME DAY PRE-APPROVAL LETTERS Loan Denied?  We are willing to spend the time or resources to approve borrowers whose profile do not meet the industry matrix criteria.     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!  In fact, our company's line is “When Banks Say No! We Say Yes!”  and have proudly earned this distinction within the industry.   Actually, Florida is one of top states nationwide with the highest home mortgage denial rates.  In other words, you are definitely not alone.  Even more reassuring, different lenders have different rules. Just because your loan gets denied by your lender does not mean it'll be denied by another.  How Do We Approve your Loan?  The first step is to figure out why your bank turned you down.  Below is the ten most common denials below.    	1.	Credit history issues 	2.	Debt-to-income ratios to high 	3.	Lack of Collateral 	4.	Loan officer pre-approved you for the wrong loan type   	5.	Unpaid Forbearance found in credit report 	6.	Employment history 	7.	Insufficient cash (for down payment or closing costs) 	8.	Unverifiable information 	9.	Mortgage insurance denied 	10.	Lender failed to check that your name was not removed from the deed in Foreclosure settlement    At 1st Florida Lending. We can tailor a plan to overcome your challenges and/or offer alternative programs that are specifically geared to applicants who were turned down by their lender, even applicants with poor credit history, high debt-to-income ratios, and/or insufficient collateral.  These alternative programs, with more relaxed requirements and are willing to take on more risk.     Conclusion We are willing to spend the time or resources to approve borrowers whose profile does not meet the industry matrix criteria and employ a professional bilingual staff who are ready, willing and able to meet the challenges.  If we cannot approve your loan.  You can be certain that another lender will not be able too!    LET US HELP APPROVE YOUR LOAN!  CLICK ON THE TYPE OF LOAN DENIAL FROM THE MENU LINK BELOW AND A LOAN OFFICER WILL CONTACT YOU