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.
The most first-time buyer friendly program. Credit scores as low as 580, and sellers can pay your closing costs.
→ As Low As 3%Lower cost long-term. Best rates if you have 620+ credit and steady income.
→ Florida GrantsState and county programs that cover part or all of your down payment. We match you automatically.
→ Up to $2,000/yrMortgage Credit Certificate gives you money back at tax time every year for the life of your loan.
→First-time homebuying is full of programs, grants, and credits most people don't know they qualify for. Our specialists have helped thousands of Florida renters cross the line into ownership.
Get Pre-Qualified →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.
Answer a few questions about your income and what you're looking to buy. Soft credit pull only, see your pre-approval amount instantly without affecting your score.
Bedrock Mortgage pre-approvals carry real weight with listing agents and sellers. They know we close, your offer stands out even in competitive markets. Check FL grant programs you qualify for too.
Know your exact max purchase price, estimated monthly payment, and how much cash you'll need at closing before you fall in love with a home. No surprises, no disappointments.
We handle all the paperwork. You pack boxes. In-house underwriting and funding means no bank delays, most first-time buyers close in 21 days and move in the same week.
"Make $67k as a teacher, had $12k saved. Bought a $240k house with FHA 3.5% down. Used Florida Assist program for another $7,500 toward closing costs. Out of pocket was literally $4,200. Never thought I could buy on a teacher salary but here I am with a 3/2 house in Jax."
"Qualified for Mortgage Credit Certificate, $150/month back on my taxes, $1,800/year for the life of the loan. Bought a $195k condo with 5% down at 6.125%. First place of my own at 24."
"Parents gifted me $18k. Put down 6% on a $310k house. Conventional loan, 715 credit score, got 5.95%. Mom cried at closing. First person in my family to own a house."
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.