Florida mortgage financing.
For your next move.
Buying your next home, financing with self-employed income, building or investing? Work directly with Arthur Kourouvacilis at Home1st Lending to understand your options and plan your next step.
A short inquiry. No credit pull. A personal conversation with Arthur.
Ready to apply? Start your secure applicationFinancing for
your next step.
Explore financing for your situation, then talk with Arthur about your income, property, available funds and timeline.
Move-up buyers
Buying and selling, using equity and keeping your next payment in perspective.
Plan your move02 / SELF-EMPLOYEDSelf-employed borrowers
Review business income, tax returns and alternative documentation options.
Explore income options03 / BUILDING A HOMEConstruction financing
Bring the builder, budget and financing into the same conversation early.
Plan your build04 / INVESTINGProperty investors
Compare income-based and rental-cash-flow financing for your property.
Explore investor financingComplex financing.
Clear answers.
A finance background, careful scenario review and direct communication from your first conversation through closing.
Careful financial review
Your income, existing home, cash, property and plans all matter. My finance background helps me connect the numbers to your goals.
Clear, proactive updates
Expect proactive updates on what is needed, what has changed and what happens next. I stay involved throughout the transaction.
Direct access to your broker
From the first question through closing, I’m a phone call away. Complex scenarios get the attention they need, with honest answers about the requirements.
Meet Arthur
Kourouvacilis.
I’m Arthur Kourouvacilis, a mortgage broker at Home1st Lending. Since 2019, I’ve helped over 500 families finance their homes. I especially enjoy working through self-employed income, construction projects and investment financing.
I earned my Finance degree at the University of Central Florida. My finance background shapes how I review complex income, property and funding questions. If you have been told no elsewhere, we can look at the reason and whether a different approach may be available.
Originally from Massachusetts and raised in South Florida, I now live in Sanford with my wife and our two children. I understand the planning behind a family’s move. My approach is to explain the numbers, follow through and remain accessible from the first conversation to closing.
Tell me your scenarioBased in Lake Mary.
At home in Sanford.
Home1st Lending
1130 Business Center Dr, Suite 1000
Lake Mary, FL 32746
Serving Central Florida and borrowers throughout the state.
Mortgage guidance in Lake Mary & SanfordRead my complete Google reviewsStraight answers.Real follow-through.
A clear path
from inquiry to closing.
A short inquiry is a conversation starter. It is not a loan approval or a full mortgage application.
Give me the basics.
Share your goal and how to reach you. Add your budget, timeline or an income question if you know them.
Understand your options.
We’ll discuss your payment, available funds, documentation and the questions that need a closer look.
Move forward informed.
When you’re ready, complete the secure application. I’ll help you navigate the review and stay involved through closing.
Plan your mortgage
with confidence.
Useful tools and plain-English guidance for the decisions behind your next home.
Buying and selling
Plan your equity, down payment and timing before you make your next offer.
Read the move-up guideBuild a payment budget
Explore principal, interest, taxes and insurance using your own assumptions.
Use the payment calculatorCompare the full cost
Understand the Loan Estimate, cash to close and questions worth asking.
Explore buyer resourcesCan I buy my next home before I sell?
Sometimes. The answer depends on whether you can qualify while carrying your existing obligations and how you’ll fund the down payment. We’ll look at your current home, available funds and closing timeline before you commit to a strategy.
Can I qualify if my tax returns show a low income?
Tax write-offs can affect qualifying income. We can review a standard income calculation and explore whether alternative documentation, such as a bank-statement program, fits. Different documentation does not remove lender qualification requirements.
Do I need land and a builder before we talk?
No. An early financing conversation can help shape the budget. A full construction review will need project details, and the lender will evaluate the builder, plans, property and costs.
Is a DSCR loan based only on the rent?
Rental cash flow is an important part of DSCR underwriting, but it is not the only requirement. Credit, down payment, reserves, property eligibility and lender rules also matter.
Does this inquiry pull my credit?
This short inquiry does not request a credit report. It starts a conversation. A mortgage application, authorization and supporting documents are separate steps for a full lending review.
Where do you work?
I live in Sanford and work from Home1st Lending’s Lake Mary office. I serve borrowers in Lake Mary, Sanford, Orlando and throughout Florida by phone, email and secure application.
Discuss your
mortgage options.
Tell me what you want to finance and how to reach you. I’ll review your inquiry and contact you to discuss the next steps.
954-701-6041arthur@myhome1st.comWhat happens next?
I’ll contact you using the details you provide, ask a few questions about your plans and explain what a full review would require.
Ready for a full review? Start a secure mortgage application.