ARE YOU FINANCING YOUR HOME?  IF YES, YOU NEED TO FIND THE RIGHT LENDER INTEGRITY, HONESTY AND CANDOR IS KEY When selecting an lender to manage the mortgage process for you. It is important to keep in mind that integrity, honesty, and candor are just as important as interest rates.   So, whether you want to refinance at a lower mortgage rate, restructure your debt, achieve new home ownership, obtain a reverse mortgage, refinance or otherwise seek any type of  Mortgage solution.  We recommend Florida Direct Lenders / 1st Florida Lending Corp., who offers the largest inventory of custom loan programs in the Florida (48 and counting) and will happy to review your financials and credit history and issue your a loan pre-approval letter free of charge and without obligation.   Why do I need a Loan Pre-Approval Letter? The majority of Real Estate Agents will require a loan pre-approval letter before entering into negotiations with the seller.  Although not required, a pre-approval letter gives the seller confidence that you can obtain the necessary credit approval to establish a maximum loan amount to close on their home.