1st Choice Cash Flow does residential lending in 44 states nationwide through an association with National Lending Corp. National Lending Corp. is a full-service mortgage lender and offer their own programs and other loan programs from over 250 different wholesale lender covering the spectrum of mortgage financing. Our specialty is finding the best loan for your financial situation.

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'Niche' Conventional and Jumbo Financing

National Lending Corp. ability to place your loan with a large variety of different lenders gives you more options than you would see from any single source. This is a benefit for even the traditional 'A' Paper borrower. Some niche products include:

• No closing cost and zero point pricing
• No cost 'Float Down' options when locking interest rates
• Concurrent second mortgages to eliminate mortgage insurance
• 100% LTV and 'No Equity' second mortgages
• Multiple 'zero Down Payment' and first time homebuyer programs
• Limited down payment programs for real estate investors
• Creative solutions for the 'no credit history' or 'poor credit history' borrower

FHA and VA Government Financing

FHA loans are the easiest way for many people to purchase or refinance a home. The idea that there is little difference between traditional 'conventional' financing and FHA financing is FALSE. FHA loans have less stringent credit, income, and down payment requirements. FHA underwriters do not need to take into account 'credit scores' and can have more flexibility with borrowers with minimal or poor credit. Many borrowers placed in 'high risk - high rate' loans can qualify and benefit from an FHA loan.

VA loans are similar to FHA loans in their underwriting flexibility. In several ways VA loans are preferable to even traditional "conventional" financing. No down payment is required at closing on VA financing. However these loans are only available to eligible veterans.

Homes with Acreage and Agricultural Properties

Homes with acreage or agricultural financing can be hard to find. We have extensive experience in finding you the best loan for your hobby farm, rural property, or agricultural property.

• Farm or agriculture use properties
• Homes with excess acreage
• Part-time -- Hobby farms that product income
• Multiple parcels of land
• Full value to outbuildings or property improvements (i.e.: shops, barns, stables)
• Bare agricultural land
• Full-time farms and ranches