(877) 777-7262

From renting to owning
in 21 days

Special programs for first-time buyers. Down payment as low as 3.5%.

3%
Down payment as low as
$0
Cost for education courses
$2,000
Potential annual tax savings

First-time buyer advantages

Down Payment Assistance

Grants that cover part or all of your down payment. Florida has multiple state and county programs we'll match you to.

First-Timer Specialists

Your loan officer works exclusively with first-time buyers. We answer every question — no jargon, no guesswork.

Up to $2,000/Year Tax Credit

MCC programs put money back in your pocket every year. That's $20,000+ over the life of a typical mortgage.

100% Gift Funds Allowed

Family can gift your entire down payment. We handle all the documentation so it doesn't slow your closing.

Programs designed for you

Most Flexible

FHA Loans

Government-backed financing with low down payments and flexible credit requirements. The most popular choice for first-time buyers.

  • Just 3.5% down payment required
  • Credit scores as low as 580 accepted
  • Seller can pay up to 6% closing costs
  • Gift funds allowed for entire down payment
Learn more →
Best Rates

Conventional 97

Put down just 3% with strong credit. Lower mortgage insurance than FHA and no upfront premium. Perfect for qualified first-timers.

  • Only 3% down payment needed
  • No upfront mortgage insurance premium
  • PMI drops off at 20% equity
  • Competitive rates with good credit
Learn more →

Your path to
homeownership

1. Apply Online
2. Get Pre-Approved
3. Find A House
4. Close Your Loan

APPLY ONLINE

10-minute application. Zero paperwork upfront.

Get your approval amount instantly and start shopping today.

Apply online form

GET PRE-APPROVED

Sellers take you seriously. You win bidding wars.

Real estate agents return your calls when you have pre-approval in hand.

Pre-approval card

FIND A HOUSE

Shop knowing exactly what you can afford.

No surprises. No disappointment. Just confident offers on homes you love.

Find a house

CLOSE YOUR LOAN

Sign digitally. Fund in 21 days. Move in.

We handle the paperwork while you pack boxes and plan your housewarming.

Close your loan

Success stories from first-time buyers

★★★★★

"Make $67k as a teacher, had $12k saved. Bought a $240k house with FHA 3.5% down ($8,400). Used Florida Assist program for another $7,500 toward closing costs. Out of pocket was literally $4,200. Payment is $1,840/month. Never thought I could buy on a teacher salary but here I am with a 3/2 house in Jax."

Amanda R.
Jacksonville, FL

Loan Details

Rate 6.0%
Closing Time 22 days
Loan Amount $245,000
★★★★★

"Did the homebuyer education course (8 hours online, was boring but worth it). Qualified for Mortgage Credit Certificate so I get like $150/month back on my taxes. That's $1,800/year for the life of the loan. Bought a $195k condo with 5% down. Credit score was 701, rate was 6.125%. First place of my own at 24."

Kevin P.
Fort Myers, FL

Loan Details

Rate 6.125%
Closing Time 19 days
Loan Amount $195,000
★★★★★

"Parents gifted me $18k for down payment (had to show bank statements proving it was a gift, not a loan). Bought a $310k house, put down 6% ($18,600). Conventional loan, 715 credit score, got 5.95%. Monthly payment is $2,240 including insurance and property tax. Mom cried at closing. First person in my family to own a house."

Taylor J.
St. Petersburg, FL

Loan Details

Rate 5.875%
Closing Time 21 days
Loan Amount $275,000

Common questions

Do I qualify as a first-time homebuyer?

You're considered a first-time buyer if you haven't owned a home in the past 3 years. Even if you owned before, you may still qualify for special programs if it's been more than 3 years since you sold.

What down payment assistance programs are available?

Florida offers multiple programs including Florida Housing Finance Corporation programs, county-specific grants, and Mortgage Credit Certificates. We'll help you identify which programs you qualify for and maximize your benefits.

Can my family help with the down payment?

Absolutely! Family members can gift you money for your down payment and closing costs with no limits on the amount. We'll provide the proper gift letter documentation and guide you through the process.

Ready for homeownership?

Discover which first-time buyer programs you qualify for.
Get your personalized plan in minutes.