1st Florida Lending
When Banks Say No ! We Say Yes !


Up to 90%LTV using 12 Months Personal or Business Bank Statements *

We offer 14 Bank Statement Programs which is more than any other Direct Lender in the State of Florida.  Below is a snapshot of some highlights and features.  

  • Up to 90% LTV Max
  • Borrower does not have to be 100% owner of the business
  • Business expense ratio as low as 0% for personal
  • Business expense ratio 10% for business bank statements
  • No Tax Returns or 4506 required
  • No MI and No Prepayment Penalty
  • P&L statements NOT required on most programs
  • 5/1 - 7/1 ARM’s and 30 year Fixed terms available
  • Competitive rates starting in the 4’s *
  • Unsurpassed funding timelines
  • Purchase, Rate/Term and Cash-Out Refinance
  • Owner-occupied, 2nd homes and investment properties
  • Non-warrantable condos OK
  • 1 day out of Bankruptcy, Foreclosure, Short Sale program available 
  • Multiple bank accounts permitted (limited) **  
  • Common-sense consideration of NSFs and overdrafts

Simply Use Bank Statement Deposits to Establish Your Monthly Qualifying Income for Home Purchase and Refinance.

We offer business owners and 1099 independent personal contractors our highly competitive 12 month bank statement loan program.  We quickly calculate your bank statement deposits as qualify income by our highly experienced licensed loan officers providing common-sense approvals and pricing within 24 to 48 hours.

**  One of our personal bank statement programs (Option D) allows you to combined multiple accounts (checking+savings)  

Acceptable Properties:

Single family homes, townhomes, condos, condotels, duplex, triple or four-plex all qualify on various programs. Property usage can be as a primary residence, second home, vacation Home or rental investment properties. 

Get pre-approved without a full loan package!  

  • Last 12 months bank statements
  • Credit report
  • Source of funds for down payment if purchasing

Not sure which program to choose ? 

 Click our Loan-Match Tool Link to find the right program from our inventory of 48 loan programs with 125 matrix configurations that takes less than 2 minutes to complete  

* Your final interest rate for our 12 and 24 month bank statement programs are determined by a combination of your fico score, credithistory and down payment amount.


2151 Consulate Dr., Suite 8, Orlando, Florida, 32837, United States
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