Mortgage Shopping?

You've Come to the Right Place!

We offer the Lowest Rates and Closing Costs Online.

We work with over 50 Top Lenders for FHA, VA, Conventional, Jumbo, Non Conforming, Non QM and DSCR loans for Investors with No Income Qualifying.

We will have a Loan for You - - at Rates you will not find at banks or online.

Click the Link Below for a No Credit Check quote for your New Purchase or Refinance Loan.

What do You Have to Lose?

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Have Questions?    Call or Text Me to Get the Answers you need to make the Right Decision     (772) 321-7377  Ruth

Welcome To Home1st Lending  - Florida's Premier Mortgage Company

 

At Home 1st Lending LLC, We don't charge Points or Junk Fees.  We work with more than 50 Investors to place your loan with the Best Lender and the Lowest Interest Rate. From Application to Closing, You will have daily updates.

Lowest Rates Online - Lower than Rocket Mortgage!

We offer all Types of Loan Programs from Fannie Mae & Freddie Mac Conventional Loans, Jumbo and Super Jumbo Mortgages, FHA, VA, USDA and Commercial and Investor Mortgages for Primary and Investment Properties up to eight units.  Whether your situation calls for Full Documents, No Documents, Non-Owner Occupied (Investor) or Multi Family, from $200,000 to $20,000,000 for Purchase or Cash Out, We get your loan closed within 30 days.

For More Information or if You Have any Questions - Call or Text me at (772) 321-7377

Our Clients Say the Nicest Things!

Monthly Payment Mortgage Calculator*

Use this calculator to see monthly payments for different loan amounts.

* Please note: this calculator is for illustration payments and actual payments may vary.

Loan Programs

There are several types of loan programs available for homebuyers, each with its own features, benefits, and eligibility requirements. Here are some of the most common loan programs:

Conventional (Fannie Mae & Freddie Mac) Loans

  • As Low as 3% Down Payment
  • Down Payment Assistance Available (Restrictions Apply)
  • 620 Minimum Credit Score
  • Loan Terms from 10 to 30 Years
  • Down Payment Can be Gifted
  • Monthly Mortgage Insurance
  • Not Required with 20% or More Down Payment
  • Automatically Cancels at 78% LTV (Loan-to-Value)
  • $806,500 Maximum Loan Amount

Apply NowLearn More

FHA (Federal Housing Administration) Loans

  • 3.50% Down Payment
  • Down Payment Assistance Available (Restrictions Apply)
  • 580 Minimum Credit Score
  • Loan Terms from 10 to 30 Years
  • Down Payment Can be Gifted
  • 1.75% Upfront Mortgage Insurance Premium
  • Financed into Loan Amount
  • 0.55% Monthly Mortgage Insurance
  • Remains for Life of Loan (if Down Payment is < 10%)
  • $524,225 Maximum Loan Amount

Apply NowLearn More

FHA 203k (Home Renovation) Loans

  • 3.50% Down Payment
  • Streamline 203k Loan
  • Use for Cosmetic and Common Repairs up to $35,000
  • Standard 203k Loan
  • Use for Extensive Repairs Over $5,000
  • 620 Minimum Credit Score
  • Down Payment Can be Gifted
  • 1.75% Upfront Mortgage Insurance Premium
  • Financed into Loan Amount
  • 0.55% Monthly Mortgage Insurance
  • Remains for Life of Loan (if Down Payment is < 10%)

Apply NowLearn More

VA (Veterans Affairs) Loans

  • Zero Down Payment – 100% Financing
  • 580 Minimum Credit Score
  • Loan Terms from 10 to 30 Years
  • 2.30% Upfront Mortgage Insurance Premium (First-Time Use)
  • Financed into Loan Amount
  • Will Vary Depending on Down Payment and Subsequent Use
  • No Mortgage Insurance
  • No Maximum Loan Amount

Apply NowLearn More

First-Time Homebuyer Loans

  • Down Payment Requirements
  • Conventional – 3% (Can be Gifted)
  • FHA - 3.50% (Can be Gifted)
  • VA - 0% (Zero Down Payment)
  • USDA – 0% (Zero Down Payment)
  • Down Payment Assistance Available
  •  

Apply NowLearn More

USDA (Rural Development) Loans

  • Zero Down Payment – 100% Financing
  • 620 Minimum Credit Score
  • 1.00% Upfront Mortgage Insurance Premium
  • Financed into Loan Amount
  • 0.35% Monthly Mortgage Insurance
  • Remains for Life of Loan
  • Income and Property Areas Determined by Population - Call for Map of your Area

Apply NowLearn More

Investment Property Loans

  • 15% Minimum Down Payment
  • 620 Minimum Credit Score
  • 10 Year Interest Only Payment Available
  • Loans up to 20M for Primary or Investment
  • DSCR (Debt Service Coverage Mortgage)
  • Qualify Based on Rental Income
  •  

Apply NowLearn More

Jumbo Loans

  • As Low as 10% Down Payment
  • 640 Minimum Credit Score
  • Loan Terms from 10 to 30 Years
  • 10 Year Interest Only Payments Available
  • Loans to 20 Million for Purchase or Cash Out
  • No Mortgage Insurance Option
  • Loans Over $806,500                           

Apply NowLearn More

Each loan program has its own unique features and requirements, so it's important for homebuyers to research and compare their options carefully to find the loan that best suits their financial needs and goals.

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The Home 1st Lending LLC Address

Contact Us:

Phone: (772) 321-7377

Address: 11627 Periwinkle Dr
Naples ,FL
34120

Office Hours:

Monday-Friday: 9am to 6pm
Saturday: 10am to 2pm
Sunday: Closed