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.
See if you qualify for down payment help Get pre-approved Ask a questionTeachers, nurses & first responders →
- Low down payment options
- 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
Low down payment options, flexible credit. Great if you're building credit history.
From 620 FICO
Conventional 97
Low down payment options with private mortgage insurance.
Eligible veterans
VA Loans
VA loans for eligible veterans, with no monthly PMI.
