Loan program

First-Time Home Buyer

Your clearest path from renting to owning

Buying your first home is simpler than the internet makes it look. We break the process into plain steps, match you to first-time buyer programs, and show you exactly what you qualify for before you ever talk to a lender, with zero credit impact.

See if I qualify Call (407) 443-9461

Who it suits

Who this is for

01Renters ready to stop paying their landlord’s mortgage

02Anyone who has not owned a home in the last 3 years (you may count as first-time again)

03Buyers who feel unsure what they can actually afford

The upside

Why buyers choose First-Time Home Buyer

You do not need 20% down

The biggest first-time buyer myth. Real minimums: 3.5% FHA, 3% conventional, 0% VA and USDA. Assistance programs can lower it further.

Programs built for you

Florida offers first-time buyer programs including Hometown Heroes with up to $35,000 in down payment and closing cost assistance for eligible workers.

Know your number first

Our 60-second check shows your realistic price range and programs before you fall in love with a house you cannot buy, or skip one you could.

A guide start to close

One point of contact who explains every step in plain language: pre-approval, offer, inspection, underwriting, closing.

Requirements

How to qualify

Typical guidelines. Your exact numbers come from the free 60-second check.

01Steady income (about 2 years of work history)

02Credit score of 580+ opens most doors (lower may still work)

03Some savings for down payment and closing costs, or an assistance program

04The home will be your primary residence

Questions

Common questions

A rough rule: 3 to 4 times your household income, adjusted for debts and rates. Our calculator and free check give you a real number for your situation.

Keep looking

See what you qualify for

Nine quick questions. Zero impact on your credit score. Real answers in about 60 seconds.

Check if I qualify

First-time buyer program availability, income limits, and assistance amounts vary by county and are subject to funding availability and program rules.