Down payment assistance, MCC tax credits, and specialists who work exclusively with first-time buyers. We'll tell you exactly which programs you qualify for.
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Find out which programs you qualify for.
Everyone kind of assumed buying wasn't realistic on a teacher's salary. Bedrock Mortgage walked me through the FHA process, 3.5% down, and my mortgage ended up being less than what I was paying in rent for a 3-bedroom in Jacksonville. Highly recommend them!!
Michelle D.I had no idea programs like this existed until Bedrock Mortgage walked me through everything and made me realize that I CAN have a home at 27 years old. They explained everything in an easy to understand way, and made the process simple. AWESOME TEAM!
Jordan A.Florida has grants, tax credits, and DPA programs most buyers never hear about because their lender doesn't specialize in them. Ours do. We match you to every program you qualify for before you even sign an application.
Florida grants that cover part or all of your down payment. We match you automatically.
Your loan officer works exclusively with first-time buyers. Every question answered, no jargon.
MCC programs put money back in your pocket every year, $20,000+ over a typical mortgage.
Family can gift your entire down payment. We handle the documentation, no extra delays.
The most first-time buyer friendly program. Credit scores as low as 580, and sellers can pay your closing costs.
→Lower cost long-term. Best rates if you have 620+ credit and steady income.
→State and county programs that cover part or all of your down payment. We match you automatically.
→Mortgage Credit Certificate gives you money back at tax time every year for the life of your loan.
→Takes about 10 minutes. We ask about your income, what you're looking to buy, and your timeline. Soft credit pull only — your score isn't affected at this stage.
We run full underwriting and issue a pre-approval letter. This is the document that tells sellers and listing agents your financing is real and you can actually close.
You'll know your exact maximum purchase price, estimated monthly payment, and cash needed at closing before you ever walk into an open house.
Because we fund from our own capital, there's no waiting on a bank to approve the wire. Most first-time buyers we work with are in their home within three weeks of going under contract.
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.
Florida offers multiple programs including Florida Housing Finance Corporation grants, county-specific programs, and Mortgage Credit Certificates. We'll identify which you qualify for and maximize your benefits.
Yes. Family members can gift you money for your down payment and closing costs with no limits on the amount. We provide the gift letter documentation and guide you through everything.
Mon–Fri, 8 AM–6 PM ET
Response within one business day
→Takes about 10 minutes. No documents required upfront.
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