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.
"I'm a teacher, I make $67k. Everyone told me I couldn't afford to buy in this market. Bedrock walked me through the Florida Assist program, got $7,500 toward closing costs, FHA with 3.5% down. Out of pocket was $4,200 on a $240k house. I have a 3-bedroom in Jacksonville and the mortgage is less than my old rent."
"Got a Mortgage Credit Certificate through the program Bedrock set me up with. $1,800 back on my taxes every year for the life of the loan. Bought a $195k condo at 24 with 5% down. First place that's actually mine."
"My parents gave me $18k as a gift for the down payment. 6% down on a $310k house, 715 credit score, ended up at 5.95%. My mom couldn't stop crying at closing. First person in my family to own property."
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.
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.
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.
→Answer a few questions about your income and what you're looking to buy. Soft pull only. See your number without touching 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 budget, monthly payment, and cash-to-close before you fall in love with a house. No disappointments at the offer stage.
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.
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.