FHA 100% Financing 

NEW! 100% FHA Financing 
NO Down Payment? NO Worries!

If you are ready to purchase a home you may qualify for one of our no
down payment FHA program.

  • FHA Financing with a 640 score or greater

  • Finance 3.5% second loan to make 100% Financing

  • DTI’s of 50% with compensating factors

  • 6% Seller Concessions allowed

  • 100% gift funds from family members allowed for closing costs

  • For purchases only

  • Manufactured Homes not allowed

  • Owner Occupied only, No Concurrent home ownership allowed

  • Maximum loan amount per FHA Guides

  • MI Coverage is Standard FHA Coverage

What an exciting time to enter into home ownership! No down payment funds is no
longer an obstacle.



Another Zero Down payment FHA Mortgage options is using Gift Funds

Federal Housing Administration requires a 3.5% down payment minimum with a 580 fico Score which can be a lot of money for some borrowers.  For example, a $200,000 home loan purchase at 3.5% down would equal $7,000.   

According to FHA guidelines, you can receive a gift from a family member, non-profit organization, fiancee, or another eligible down payment gift source where you can apply towards the entire down payment. That means you don’t need any of your own money to buy with FHA if you find a qualified Gift source.

So technically it is not a 100% loan, but you can achieve the same results.  

If you are ready to purchase your new home using one of our 100% FHA Financing options. 


Just click the APPLY NOW  link to see if you qualify or click on the Get Pre-Approved Today Button!  


We are a fully approved FHA direct lender in Florida offering FHA Loans, VA Loans, USDA Loans.  We can assist you with your next home loan or refinance your current primary residence, second home, or investment property.   With a qualified and enthusiastic team of FHA professionals, our company has experienced unparalleled growth. In a time when other independent mortgage companies were struggling, we continued to grow at the annual double-digit growth pace. 



1st Florida Lending Corp

dba / www.fhadirectloans.com

2151 Consulate Dr. -Suite 8

Orlando, Florida 32837

Loan Inquires:  407-300-2558

Customer Service:  800-344-1995

Fax: 877-401-9955

Hours of Operation

Monday - Friday 

9:00 am to 6:00 pm


11:00 am to 3:00 pm

(by appointment only)


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