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Mortgage Shopping?

Your Good Credit Gets You the Lowest Rates!  

 

Home1st Lending has been a Leader in Florida Mortgages for over 20 years

Whether You are Looking for FHA, VA, Conventional or No Income Verification Mortgages - We have the Lowest Rates You Will Find and No Junk Fees or Mortgage Points.

Call or Text for Today's Lowest Rate for Your New Loan

(772) 321-7377

Have Questions?  I'm Available Now to Answer any Questions and explain Your Mortgage Options. No Credit Pull Required

Welcome To Home 1st Lending

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At Home 1st Lending LLC, We don't charge Points or Junk Fees.  We work with more than 45 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 - Be Approved For Your New Loan Today

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

Let's Help You...Get Your First Home|Find Your Dream House|Find A Great Rate|Get Qualified|Get Cash Out

Whatever your goals are we are here to help!
Click our prequalifier to get started!

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)
  • $726,200 Maximum Loan Amount

Apply NowLearn More

FHA (Federal Housing Administration) Loans

  • 3.50% Down Payment
  • Down Payment Assistance Available (Restrictions Apply)
  • 600 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%)
  • Loan Limits by County Limit

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%)
  • No Loan Limit

Apply NowLearn More

VA (Veterans Affairs) Loans

  • Zero Down Payment – 100% Financing
  • 580 Minimum Credit Score
  • Loan Terms from 10 to 30 Years
  • No monthly Mortgage Insurance
  • No Maximum Loan Amount

Apply NowLearn More

First-Time Homebuyer Loans

  • Down Payment Assistance
  • Conventional – Up to 3% (Restrictions Apply)
  • FHA – Up to 3.50% (Restrictions Apply)
  • Credit Score Requirements
  • Conventional – 620+
  • FHA – 600+
  • VA – 580+
  • USDA – 640+

Apply NowLearn More

USDA (Rural Development) Loans

  • Zero Down Payment – 100% Financing
  • 640 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 By County Maps

Apply NowLearn More

Investment Property Loans

  • 15% Minimum Down Payment
  • 620 Minimum Credit Score
  • 10 Year interest Only Payments Available
  • Loans to 20 Million for Purchase or Cash Out
  • DSCR (Debt Service Coverage Mortgage)
  • Qualify Based on Rental Income

Apply NowLearn More

Jumbo Loans

  • As Low as 10% Down Payment
  • 660 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
  • Loan Amounts Over $726,200

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.

Our Satisfied Clients

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.

The Home1st 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

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