First Time Homebuyers

Living in Florida means sunny skies, coastal breezes, and—yep—flood zones. Whether you're house hunting in Tampa, Spring Hill, or anywhere in the Greater Tampa Bay Area, flood zones and insurance can have a big impact on your mortgage approval and monthly budget.

If you’re looking to buy in the rural areas of Florida, a USDA loan might be one of the smartest ways to finance your home.

Here’s a breakdown of the top down payment assistance programs in Florida, what they offer, and the fine print you’ll want to know.

Buying your first home is exciting—but it can also feel overwhelming. Between figuring out your budget, searching for homes, and navigating mortgage options, it’s a lot. The good news? Florida offers a ton of first-time homebuyer programs to help make the process easier (and more affordable).

When it comes to buying a home in Florida, a lot of people think they need to save up 20% for a down payment. That can feel impossible—especially with rising home prices and the cost of living. But here’s the good news: you don’t need 20% down to buy a home.

Professionals across various fields, from healthcare to law, often face unique financial challenges, especially when it comes to purchasing a home. Recognizing this, our specialized financing options cater specifically to the needs of busy professionals aiming to balance their career demands with personal investments.

You don’t need a perfect credit score to buy a home—but the stronger your score, the more options you’ll have.

Mortgage interest rates represent the cost you pay to borrow money from a lender to purchase a home. Expressed as a percentage of the loan amount, this rate is added to the principal of your loan and paid back in your monthly payments.

While credit score changes don’t always require a new pull, they can still impact your loan.