First-Time Buyers
Your first home, without the stress.
We translate the mortgage jargon, walk you through every step, and find programs that fit your budget — even if you think you can't afford to buy yet.
- As little as 3% down
- Credit scores from 580
- Down payment assistance
- No-cost pre-approval
The journey, simplified.
STEP 01
Figure out what you can afford
We'll look at your income, debt, and savings — and give you a realistic price range.
STEP 02
Find a down payment program
Florida has dozens of assistance programs. We'll match you to the right one.
STEP 03
Get pre-approved
A written approval letter in 24 hours so you can shop with confidence.
STEP 04
Close on your home
We handle the paperwork, the lender, and the surprises — so you don't have to.
Programs for you
Loans built for first-timers.
From 580 FICO
FHA Loans
3.5% down, flexible credit. Great if you're building credit history.
From 620 FICO
Conventional 97
Just 3% down with private mortgage insurance.
$0 down
VA Loans
0% down for eligible veterans and active military.
