Low down payments, real down payment assistance, and a team that explains every step in plain English — built for buyers doing this for the first time.
You don’t have to be buying your very first home ever. Most programs define a “first-time buyer” as someone who hasn’t owned a home in the past three years — so if you sold a property a few years back, or never owned one at all, you likely still qualify for first-time buyer programs, low down payment options, and down payment assistance.
Government-backed loans with flexible credit requirements — a popular starting point for first-time buyers with limited savings or a shorter credit history.
Competitive rates for buyers with solid credit — often a better fit if you can avoid mortgage insurance with 20% down, or qualify for a low-down-payment conventional program.
Qualified first-time buyers can receive up to $10,000 toward down payment and closing costs. Frontline workers may qualify for up to $35,000 through Florida’s Hometown Heroes Program at 0% interest.
A short application covering income, savings, and what you’re hoping to buy.
We match you to the right mix of loan type and assistance — FHA, conventional, or a down payment grant.
A real, underwriter-reviewed pre-approval letter you can hand your realtor.
We guide you through every signature so closing day feels exciting, not overwhelming.
Pull your credit report months before you plan to apply, so you have time to fix errors or pay down balances.
Set aside 2-5% for closing costs, plus a cushion for moving and immediate repairs.
A pre-approval is underwriter-reviewed and carries real weight with sellers; a pre-qualification is just an estimate.
Property taxes, insurance, and HOA dues add to your monthly payment — budget for the full picture, not just principal and interest.
A new car or furniture on credit right before closing can change your debt-to-income ratio and jeopardize approval.
Shopping without a real pre-approval means you don’t actually know your budget — or your buying power against other offers.
Many first-time buyers default to whatever their bank offers, missing out on assistance programs they’d otherwise qualify for.
Forgetting taxes, insurance, and HOA dues can mean an approved payment feels tighter than expected once you move in.
No-impact credit check. Real pre-approval in about 10 minutes. No commitment, just real, local mortgage expertise.