First Time Buyers

Information About the SHIP Program in Lake County

Information About Down Payment Assistance in Orange County

Who said you had to have money to buy a house?  It's not true!  There are a multitude of programs available for first time buyers who meet the minimum income requirements.  A first time buyer is someone who has not owned a home within the last three years.  See the link above for income requirements.  To qualify you must enroll in a first time buyer education class and obtain a certificate before you start looking for your dream home.  An approved lender can set this up for you and get you qualified for a loan before you start shopping for a home.  Once you are qualified for a mortgage and have obtained your certificate, we will assist you in finding the perfect home for you and your family.

There are several programs to choose from:

1)  Florida First -- This program helps borrowers by offering a low, 30-year fixed rate loan.

2)  Florida Plus -- This program offers a low 30-year fixed rate loan and 4% of the loan amount to borrowers as a grant.

3)  Florida Advantage -- This program offers a very low interest rate to borrowers in Urban Infill Areas, Front Porch Florida Community Areas, Rural Development Self-Help and HOPE VI Project Areas and for disabled households.  This program is for buyers at a lower income level.

4)  Florida 40 -- This program helps borrowers by allowing them to spread their loan payments over a 40-year time frame.

5)  Florida 40 Plus -- This program offers the benefits of a 40-year loan term and 4% of the loan amount as a grant to the borrower.

6)  Florida Heroes -- This program helps borrowers that are education professionals, sworn officers of the State of Florida, healthcare professionals, and all active duty military and veterans with a very low interest rate on a mortgage.