First-Time Home Buyers
Buying your first home doesn’t have to be overwhelming. We guide you through every step with special programs designed for new buyers.
You Don’t Need 20% Down
Many first-time buyers think they need 20% down. The truth? You can buy a home with as little as 0-3% down. We shop 50+ lenders to find the best program for your situation.
Why First-Time Buyers Choose Us
We make your first home purchase easy and stress-free.
Education First
We explain everything in plain language. No confusing jargon or rushed decisions.
Low Down Payment Options
Access programs with 0-3.5% down. Keep more cash for moving and furnishing your new home.
Down Payment Assistance
We help you find grants and assistance programs that can cover your down payment and closing costs.
Credit Flexibility
Credit scores as low as 580 accepted. We can also help you improve your score before applying.
Personal Guidance
Work with a dedicated loan officer who knows your file. No call centers or runaround.
Fast 15-Day Closings
Our streamlined process means you can close quickly and get into your new home faster.
First-Time Buyer Programs
Explore the loan options available to new home buyers.
FHA Loans
Government-backed loans with flexible requirements. Perfect for buyers with lower credit scores or limited savings.
Conventional 97
Only 3% down for first-time buyers. Lower mortgage insurance than FHA and it can be removed later.
VA Loans
For veterans and active military. Zero down payment required and no monthly mortgage insurance.
Down Payment Assistance
Florida offers grants and forgivable loans to help cover your down payment and closing costs.
Your Path to Homeownership
A simple, step-by-step process from start to keys.
Get Pre-Approved
Quick application, same-day pre-approval. Know exactly what you can afford.
Find Your Home
Shop with confidence. Your pre-approval shows sellers you’re serious.
Lock Your Rate
We shop 50+ lenders to secure the best rate for your situation.
Close & Celebrate
Average 15-day closing. Get your keys and move in!
Start Your Home Buying Journey
Get pre-approved and see what you can afford.
Ready to Buy Your First Home?
We’ve helped hundreds of first-time buyers achieve homeownership. You could be next.