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CARLOS MATOS - CHAIRMAN


COMMERCIAL PROPERTY LOANS


REVERSE MORTGAGE LOANS

CARLOS MATOS - CHAIRMAN
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.





We are proud of the various charities that our company and team members support
!
Aside from our companies contributions. We encourage team members to donate
there time and money to charities of their choice to support the less fortunate



THE NEW VA MORTGAGE ADVANTAGE A VA Loan has 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, the benefits of the VA mortgage allow service members and
Veterans to take advantage of substantial cost savings under qualification
requirements designed specifically for members of the military and their unique
needs.
VA PROGRAM HIGHLIGHTS • 100% Financing • Competitive interest rates • No PMI
(private mortgage insurance) • FICO starting at 580 + • Disabled Veterans pay no
Property Tax in Florida
With offer over 14 programs. Bank Statement Loans are rapidly becoming the loan
of choice for self-employed, DBA’s, Sole Proprietors, Corporations, 1099
Independent Contractors and W-2 wage earners who have cash flow and payment
history, but show a reduced taxable income as a result of high deductions
WE ARE THE REVERSE MORTGAGE PROFESSIONALS
Getting the most our of Retirement with a Reverse Mortgage ! • Get Rid of
Mortgage Payments • Purchase a new home • Make Retirement Funds Last Longer •
Home Modifications for Safe Aging Travel • Gifts for Grandchildren • Funds for
Health Care • Payoff Debts • Buy a New Car or Motor Home • Move closer to family
• Receive a monthly stipend for Life
At 1st Florida Lending Corp, we have been closing Commercial Real Estate and
Investment Property Loans in Florida since 2007 offering fast funding by
seasoned professionals. We offer a full range of Commercial Real Estate and
Investment Property Loan programs including No Income Verification,
Self-Employed, Full Doc, No-Doc and Stated Income for any property type and
financial situation.


* 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 © 2007 - 20211st Florida
Lending Corp. - All rights reserved I Privacy Policy I Terms of Use I


THE NEW VA MORTGAGE LOAN ADVANTAGE


SELF-EMPLOYED BANK STATEMENT LOAN PROGRAMS

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


and much much more . . .
Close Some Loans in 15 Days We are VA, FHA and USDA Approved Lender We pay
closing cost on FHA purchase & refinance Free Credit Analysis
2007 - 2021


OVER 48 LOAN PROGRAMS - MORE THAN ANY OTHER DIRECT LENDER IN THE STATE OF
FLORIDA






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 REALTORS
SUCCEED.




FLORIDA’S TOP RATED DIRECT LENDER I 48 PROGRAMS




WE ARE NOT RETAIL BROKERS I  GET QUOTE


 800-655-1345 I CALL US 407-300-2558



Over 48 loan programs Direct Lenders - No Retail Brokers Manually Underwrite
Challenging Loans Same Day Loan Pre-Approval Letters
Why Choose Us?
Our Loan Match Wizard simply allows us to FIND AND QUOTE the best loan program
match based on your answers to a few questions that takes less than 60 seconds
BEST OF ALL - WE DO NOT PULL YOUR CREDIT TO PROVIDE RATES


 !

our top RATED - most popular programs are Listed below for your review


100% LTV SUPER JUMBO LOANS


90% SELF-EMPLOYED LOANS


95% LTV JUMBO LOANS

FHA is our most popular loan option because it provides a more lenient credit
and income requirements than other mortgages. FHA are the most forgiving of
credit problems, and can be manually underwritten to stretch debt to income
ratios for those who qualify.
Our Jumbo and 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. STARTING RATES IN THE 3’S
We are Ranked #1 in the State of Florida with a 99 % closing rate for all Self
Employed Bank Statement Loans offering more than 14 Programs even for the most
challenging loan scenarios. We are Direct Lenders, not retail brokers there are
no “retail broker fees” added. BUY DOWN RATES IN THE 3's *
Our Super Jumbo Loan program is an option for borrowers looking to finance the
purchase of a home or investment property in a high-cost market. With loan
amounts from $5 Million up to $30 million or more in some cases. Our Super Jumbo
Loans offer competitive interest rates and flexible terms.
Our ITIN & DACA Loan program offers potential home ownership for the
undocumented / foreign national borrower who lives and works in Florida as well
as pays US taxes to the IRS with the ITIN Tax ID (instead of a Social Security
number) to purchase a Primary Home
Our Foreign National Loans offer non-citizen residents who have the
qualifications, resources, and motivation to purchase a second home, vacation
home or investment property in the United States have helped propel domestic
real estate markets in tough times.
85% LTV INVESTOR LOANS - NO INCOME AND NO EMPLOYMENT REQUIRED! Purchase or
Refinance Investment Property with No Income or Employment Verification. Anyone
can purchase or refinance an investment property with or without rental income.
If there is no rental income . We qualify you based on the Appraisals Estimated
Rental Income.
Commercial Ptate 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!
Asset Based Mortgage Loans is where you can leverage your asset to determine a
qualifying monthly income to purchase a new home or refinance and existing home.
Determining Qualifying Assets: Checking & Savings accounts, Money-market
accounts, CDs, Publicly Traded Stocks, Bonds, Mutual funds, Trusts, IRAs and
401ks that have cash conversion liquidity
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.
USDA is for financing qualifying properties in rural areas. USDA loans offer low
interest rates 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
We close 80% of loans that are turned down by banks, nation wide lenders and
local direct lenders alike...How? Simply stated, 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!


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) 655-1345 * (407)


300-2558 * FAX (877) 401-9955WE ARE APPROVED LENDERS FOR ALL GOVERNMENT LOANS
AND REGISTERED WITH THE FLORIDA OFFICE OF FINANCIAL


REGULATION - # MLD106WHEN BANKS SAY NO ! WE SAY YES ! ® IS A REGISTERED
TRADEMARK OWNED BY 1ST FLORIDA LENDING CORP.


When Banks Say No! We Say Yes! YOUR LOAN PROGRAM ! YOUR RATE ! YOUR TERMS!
The 1st Florida Lending Promise At 1st Florida Lending we want to help you
confidently choose the best mortgage and save money. To do that, you need a team
that has one priority - that is YOU ! * A Florida Direct Lender that Cares * *
The Team with a Heart to Truly Help * * We Take Trouble Out of the Equation *
Most to assume that you are good-to-go with getting a conventional mortgage loan
that conforms to all of today’s lending standards and guidelines. Think again.
Many times, once we review a borrowers credit history and financials’. They
could actually be a candidate for a non- conforming loan and do not even realize
it. More importantly, there is a significant difference between a conforming and
non-conforming loan.
if you are a prospective home buyer and curious about whether they would qualify
for a conforming or non-conforming loan. Let us help guide them to shed some
light on this sometimes confusing and complicated mortgage term.
Foreign National Stated Loans 20% Down


ASSET BASED MORTGAGE LOAN


1 YEAR BRIDGE LOAN / NO PREPAY


90 LTV ITIN TAX ID LOANS


 * 
 * MORTGAGE GLOSSARY OF TERMS
 * 
 * MORTGAGE CALCULATOR
 * 
 * LOAN PROGRAMS
 * 
 * USDA LOAN INFORMATION
 * 
 * NON-QM MORTGAGE
 * 
 * PRE-APPROVAL DOCUMENT-CHECKLIST
 * 
 * APPRAISALS
 * 
 * LEARN ABOUT CREDIT
 * 
 * REPAIR YOUR CREDIT
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 * CLOSING COST
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 * REFINANCING YOUR LOAN
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 * MORTGAGE CREDIT EVENTS
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 * PMI-MORTGAGE INSURANCE
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 * FORECLOSURE INFORMATION
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 * CONDO PURCHASE WARNINGS
 * 
 * THE LOAN PRE-APPROVAL PROCESS



 * 
 * LOAN QUOTE NOW
 * 
 * SUPER JUMBO LOANS - 100% LTV
 * 
 * BANK STATEMENT LOANS - 90% LTV
 * 
 * JUMBO LOANS - 95% LTV
 * 
 * INVESTMENT PROPERTY LOANS - 85% LTV
 * 
 * STATED INCOME HOME LOANS - 85% LTV
 * 
 * FOREIGN NATIONAL LOAN 80% LTV
 * 
 * ASSET BASED MORTGAGE LOAN
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 * FIX AND FLIP BRIDGE LOANS
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 * COMMERCIAL PROPERTY LOANS
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 * CONVENTIONAL LOAN
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 * ITIN TAX ID LOAN
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 * STATED INCOME LOAN
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 * FHA LOAN
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 * USDA LOAN
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 * VA LOANS 100% LTV
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 * ITIN TAX ID LOAN
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 * REVERSE MORTGAGE LOAN
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 * PUERTO RICO BORROWERS
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 * NO DOC LOANS
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