What our clients said before Google

“We are extremely happy with the service we received from Carlos Matos at 1st Florida Lending. Carlos explained our loan options in detail, guided us through the documentation process, and responded quickly whenever we had questions. The loan process can be stressful, but we always felt reassured that we were in good hands. We highly recommend 1st Florida Lending to anyone looking for a home loan.”

“I had not had much luck getting a home loan in the past and had nearly given up searching. Then I met Carlos at Florida Direct Lenders, and everything changed. The service throughout the loan process was impeccable, and the entire team was professional, kind, and patient until the loan closed. Thank you, Florida Direct Lenders—you are the best.”

“When I was looking to purchase my first home, I found 1st Florida Lending online and was amazed by their loan programs. Carlos Matos explained everything clearly, answered all of my questions, and closed my loan on time. Carlos earned my trust, and I would recommend 1st Florida Lending to anyone looking for a home loan.”

“Carlos Matos, at 1st Florida Lending worked with me from beginning to end. They stayed in contact every step of the way and worked hard to help me secure a great interest rate and mortgage payment. I am extremely happy with my custom-built home and grateful to have had 1st Florida Lending as my lending company.”

“I highly recommend 1st Florida Lending. They walk you through the entire mortgage process and take the time to explain every detail. Carlos Matos was quick to respond, even on nights and weekends. I began this journey thinking I would not qualify for a mortgage, but Carlos found the perfect loan program for me, and I am now a proud homeowner.”

“Buying a house can be stressful, and choosing the right lender can make a big difference. My experience with 1st Florida Lending was smooth from start to finish. They provided a clear pre-approval, offered a competitive rate, and were always upfront with no hidden fees. I definitely recommend 1st Florida Lending if you are buying a house.”

“I would highly recommend 1st Florida Lending to my family and friends. From the first time we met Carlos Matos, my husband and I felt we were in good hands. He made the loan process less stressful and created a wonderful experience. That is true customer service.”

“1st Florida Lending saved the day. After our bank denied our loan with only days left before closing, their team quickly understood our situation and offered a bank statement loan that did not require tax returns. They provided conditional approval within seven days, helped us receive our extension, and we closed on our home. We strongly recommend them.”

“We truly appreciated the fast response and assistance with our loan. The settlement company even mentioned how quickly your team responded to their requests. We were able to spend our first night in the house, and we absolutely love it. Thank you again for helping us have a home we can call our own.”

“Our experience with this company was great. Carlos and his team were welcoming, reviewed our information, and told us they could get us approved. After another lender had turned us down, they stayed true to their word, pre-approved us the same day, and helped us get approved for the home we wanted.”

“Carlos, thank you for helping me get financing for my new home. It is people like you who help people like us keep our hopes and dreams alive and achieve them. It was a pleasure doing business with you and your team.”

“Obtaining a same-day pre-approval was incredibly helpful in winning the bid on our new home. We want to thank Mr. Matos for providing a simple pre-approval process that allowed us to make an offer before making a full commitment. Our offer was accepted, and our loan was approved.”

“After completing the Loan Eligibility Application, we were contacted by 1st Florida Lending within 20 minutes. They quickly reviewed our credit and bank statements the same day and sent us a pre-approval letter that helped us negotiate our first home purchase.”

“We wanted to move our family to a better neighborhood with great schools and found an incredible house at a bargain price. After completing the Loan Eligibility Application, Jorge quickly verified our credit and tax returns and provided a same-day pre-approval letter. The seller accepted our offer.”

“After finding the house we really wanted, we needed to make an offer but were not sure if we had the borrowing power to move forward. We found 1st Florida Lending's website and completed their Loan Eligibility Application. Carlos and his team delivered flawlessly on the pre-approval letter, followed by a loan commitment. We closed within 15 days and are very happy in our new neighborhood and family home.”

“We want to thank Carlos Matos and his team for all of their efforts in helping us obtain a loan to purchase our investment property in Florida. We were happy to know that loans for citizens of Venezuela are possible, and we will be recommending your loan services to friends and colleagues.”

“As Canadian citizens looking for a second home in Florida, we first considered our banks' U.S. affiliate options. To our surprise, they were very limited. We found 1st Florida Lending online, and they offered several foreign national loan programs at very competitive rates. Their team was knowledgeable and processed our loan in less than a month.”

“As non-U.S. citizens, we had difficulty finding a bank to finance a property in Florida, even though we had good income, credit, and plenty of equity in London. Our Realtor referred us to 1st Florida Lending, and the rest was easy, from uploading our documents to working with their staff. 1st Florida Lending was the best.”

“1st Florida Lending is the best. We never thought we would be able to borrow money in the U.S. to purchase our condo in the Florida Keys. Carlos Matos was incredibly knowledgeable and offered us a loan program that matched our budget. He got it done.”

“1st Florida Lending is one of the best mortgage companies. Their staff is friendly, trustworthy, and knowledgeable about VA loans. They made our loan process easier despite the approval requirements.”

“I contacted 1st Florida Lending not knowing what to expect. By the end of my first call with Carlos, I felt confident and wondered why I had not called sooner. I was also happy to learn there was no down payment with a VA loan. Carlos and his processors were responsible and resourceful.”

“When looking for a VA loan lender, I wanted to work with a company that was simple, helpful, and patient. My first call was to 1st Florida Lending rather than one of the large companies that advertise on TV. We did not realize the process would move so quickly, and it pleasantly surprised us.”

“We are grateful to have had the opportunity to work with the team at 1st Florida Lending. After completing the application and speaking with Carlos, we knew we were in good hands. He took the time to explain every step in detail and answer all of our questions.”

“It was quick and easy to sign up with 1st Florida Lending and get approved for our VA loan to purchase our new home. We were very pleased with the terms of our loan and the outcome of our purchase.”

“After seeing all the TV commercials, I wanted more information but preferred a company where I would be treated like a person, not just another number. I found 1st Florida Lending online, and they offered reverse mortgages as direct lenders. To our relief, it was the solution to our problems.”

“My Realtor sent me an email about 1st Florida Lending and their reverse mortgage options. I made the call, and to my amazement, the process was smooth, quick, and easy. I did not even have to leave the comfort of my home.”

“Carlos, we were very satisfied with how our reverse mortgage was handled by you and your wonderful staff. You were patient, helpful, and answered all of my questions. Thanks to you, the process was smooth, and I would certainly recommend you to anyone considering a reverse mortgage.”

“I worked with Margerita, who was the best. She answered all of my questions and returned my calls promptly. I would definitely recommend 1st Florida Lending. Thank you for a job well done.”

“We could not have been more pleased with the service we received from the staff at 1st Florida Lending. Each step was explained, our questions were answered, and the process was smooth with very few delays.”

“Getting married led my wife and me to make important decisions about buying a home and starting our family. We had accumulated some debt, which affected our credit scores, but 1st Florida Lending was able to provide us with a loan. My wife and I are very thankful.”

“1st Florida Lending made it possible for us to become homeowners. Not only was my interest rate much lower than what I was quoted by other lenders, but the process was easy and completed online. We did not have to visit an office to fill out paperwork, and my loan was fully funded within 18 days.”

“Most banks and mortgage companies rely on strict formulas and criteria when reviewing loan applications. After hitting a wall with them, I turned to 1st Florida Lending. They looked at every aspect of my loan and were able to think outside the box. I am very pleased with their service and highly recommend them.”

“It has been a pleasure doing business with 1st Florida Lending. From the start, they were very helpful in providing the best solution for my home loan. The process was efficient, and they helped us resolve unexpected underwriting conditions in the shortest time possible. I would definitely use them again.”

“I have sold everything from entry-level homes to multi-million-dollar properties, and every transaction is important. Finding a reliable lender for high-value properties with self-employed clients is not easy, but 1st Florida Lending Corp. delivered. Carlos, Sonia, and Mark reassured me from the beginning that the loan would close and they made good on that promise. My client was extremely happy, and I was impressed with a job well done.”

“My experience with 1st Florida Lending, Carlos Matos, and his office staff was truly exceptional. Carlos guided me on how to improve my credit score to receive a better rate and terms, then stepped in when a last-minute closing delay put my deposit at risk. He reassured the Realtor and seller, explained the delay in writing, and helped secure the extension I needed to purchase my home. Carlos is a man of his word, and everyone involved in processing my loan was by my side. This is an honest lender that truly cares about its customers.”