About Us

We specialize in First Time Home Buyers and Down Payment Assistance programs.

This site was created to help Florida First Time Homebuyers obtain the down payment financing they need to purchase a home. The down payment has been increasingly hard to obtain through traditional savings due to the very high prices and weak economy. We felt that you, the First Time Home Buyers needed a safe and easy place to go on the information highway.

We've seen the need for first-time home buyers to be informed of the different down payment assistance programs that really do help people obtain home financing.

Our goal is to find you a nice and safe home that you can afford and that can allow you the best financing options for Florida First Time Home Buyers. We want to make sure that you're teamed up with the right Realtor and an approved Down Payment Assistance Lender that is trained on the best programs in Florida.

There is NO additional cost to you to use our FREE service. The seller always pays the buyer's and listing agent's commissions. You the Buyer don't pay any commissions.

Occasionally, national mortgage loan programs include USDA/Rural Development 100% Financing, VA 100% Financing for Veterans, and FHA (HUD) $100 down mortgage loans that, in some cases, can be linked with Federal, County, or State of Florida Down Payment Assistance programs.

Most, if not all, First Time Home Buyer programs require the Buyer/Borrower to have at least $5000 of their own money in the transaction to realistically purchase a home in this market. This can generally be in the form of an Appraisal and/or Earnest Money Deposit on the house.

All of the money that the Buyer puts into the transaction goes into the home purchase. The Seller always pays the Real Estate commissions not the Buyer.

You might as well be represented by one of our Realtors who has extensive knowledge of down payment assistance so our Agents really CAN help you attain Homeownership using one or more forms of a Down Payment Assistance program!

Most first-time homebuyer programs require that the first mortgage be an FHA mortgage, and the second mortgage will usually be an interest-free second mortgage.

However, Florida has several programs that allow for Conventional Financing that can allow the Buyer to one day be rid of Mortgage Insurance or Private Mortgage Insurance altogether! You will need to speak with one of our affiliated Approved Lenders (that we recommend) to determine if you qualify for either an FHA or a Conventional loan program for a 1st time home buyer.

Even though USDA and VA Financing do not require any money down on their mortgages, the buyer usually pays for an appraisal, probably a survey, and probably a home inspection, and depending on the status of the real estate market, possibly all of your loan closing costs. First-time home buyers need to be aware of what those costs will be. One of our agents will tell you approximately what out-of-pocket expenses you can expect to incur.

Some of the First Time Home Buyer programs will be in the form of grants, and some will be interest-free loans, where no payments are due until the borrower either sells or refinances the property. While still other programs will feature a monthly repayable second mortgage that would in effect allow you 100% financing

None of these loan programs will have any type of pre-payment penalty, and all the loan products should be fully explained by a trained and affiliated program Approved Loan Officer that we recommend. Our Realtors and Loan Officers work as a team, and you're the biggest part of the team. You're the Most Valuable Player!

Thanks for visiting our website!

If we can help you purchase a home and get you involved with the best 1st time home buyer programs in the entire southeast,

CONTACT US and we'll put you in touch with one of our Agents and First Time Home Buyer specialists. We look forward to speaking with you soon!

Seeking financing can be incredibly stressful. We strive to provide ACCURATE information for you to make an educated decision. This website is continuously updated, but due to the overwhelming amount of program guidelines and the fluid nature of program changes, It's best to speak directly with one of our Florida first-time homebuyer agents to make sure your circumstances and expectations are in line with current guidelines.