First-Time Buyers
Down payment assistance, Hometown Heroes, FHA and VA programs explained in plain language, with a team that walks you through every step.
Here's exactly what the journey looks like, and what we handle for you at each stage.
Before you look at a single listing, we review your income, savings, and credit profile together so you know what's realistic, and what you can do to qualify for better terms.
A pre-approval letter shows sellers you are a serious buyer. Ours typically takes 24-48 hours, and we shop dozens of lenders so your first mortgage starts with the best available rate.
Florida offers real money for first-time buyers, down payment assistance, reduced rates, and closing cost help. We check every program you qualify for before you make an offer.
Your agent builds a custom search around your budget and must-haves, schedules tours, and points out the things first-time buyers often miss, HOA rules, insurance costs, flood zones.
We run the comparable sales, craft a competitive offer, and negotiate inspections and repairs on your behalf so you never overpay for your first home.
We coordinate the inspection, appraisal, insurance, and title work, and walk you through every document at closing. Then the home is yours.
The State of Florida actively helps first-time buyers get into homes. These are the programs we check for every client, eligibility and amounts change, so we verify current terms when you apply.
Up to $35,000 in down payment and closing cost assistance for eligible full-time workers buying their first home in the community where they work, including teachers, healthcare workers, first responders, military, and many more professions. Offered as a 0%, non-amortizing second mortgage.
Up to $10,000 in down payment assistance as a deferred, 0% interest second mortgage, no monthly payments, repaid only when you sell, refinance, or pay off the first mortgage.
Up to $10,000 at a low fixed rate, repaid monthly over 15 years, a good fit when you want assistance now and predictable repayment.
Government-backed loans made for first-time buyers: FHA from 3.5% down with flexible credit, VA with 0% down for eligible veterans, and USDA with 0% down in eligible areas.
The questions we hear most from first-time buyers in South Florida.
Less than most people think. Conventional loans start at 3% down, FHA at 3.5%, and VA/USDA at 0% for eligible buyers. With Florida assistance programs layered on top, many first-time buyers bring far less cash to closing than the traditional 20%.
FHA loans accept scores as low as 580 with 3.5% down, and conventional loans typically require 620+. If your score isn't there yet, we'll show you the fastest path to improving it before you apply.
Full-time employees of Florida-based employers who are first-time buyers (or have not owned in the last 3 years), purchasing in the county where they work, within program income and purchase price limits. Funds are limited and released in waves, getting pre-qualified early matters.
Typically nothing, the seller pays the real estate commission, and our pre-approval and mortgage services are free to apply with no obligation.
No pressure and no obligation. We will explain your options and what you can afford.
Free, no obligation, and no impact on your credit to get started.
Get pre-approved in 24-48 hours and find out exactly which Florida first-time buyer programs you qualify for, free and with no obligation.
FRES Assistant
Homes · Mortgages · Property Management
