First Time Home Buyer Florida Vendors and Resources

Florida Real Estate + Mortgage Experience

"With a strong background in both mortgage and real estate, we partner with a trusted network of top real estate professionals across 49 states to guide you through every step of your home journey."

DOWN PAYMENT ASSISTANCE FLORIDA

Buying a home is possible with Down Payment Assistance Florida  programs designed to help first-time and repeat buyers. These programs offer grants, forgivable loans, and low-interest assistance to reduce your upfront costs. Even if you have limited savings, you could qualify for thousands of dollars in down payment assistance! Let’s find the best program for you and get you into a home sooner than you thought. Contact us today to check your eligibility!

DOWN PAYMENT ASSISTANCE

FHA LOANS

Buy a home with just 3.5% down!
An FHA Loan makes homeownership more accessible with a low down payment requirement (as little as 3.5%) and flexible credit guidelines.

Perfect for first-time homebuyers and those with less-than-perfect credit, FHA loans provide affordable mortgage options with lower interest rates. Whether you’re buying your first home or need a fresh start, we can help you qualify for this government-backed loan.

FHA HOME LOANS

VA Home Loan Florida

A VA Home Loan Florida allows eligible veterans, active-duty military, and their families to buy a home with NO down payment and NO PMI (Private Mortgage Insurance).

This exclusive program offers low interest rates, flexible credit requirements, and no loan limits in most cases. Whether you're buying your first home or refinancing, we’ll walk you through the process and ensure you maximize your benefits.

VA HOME LOAN FLORIDA

local first time homebuyer florida

ARE YOUR A FIRST TIME HOME BUYER FLORIDA?

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CONTACT US

+1(727) 271-6900

MORTGAGE AND REAL ESTATE REVIEWS

Emily Rivera

I had an amazing experience with the Jose Mejia Team! They explained the home buying process beautifully, making it feel so homey and family-like. Their personalized approach really made me feel comfortable and supported throughout the entire journey. I truly appreciate their attention to detail and dedication to helping me find my dream home. Thank you, Jose Mejia Team, for your outstanding service!

Kei OhSo

José has been exceptional since the moment I met him. His passion for educating clients and providing clear, straightforward guidance truly stands out—something I value deeply. I highly recommend José for both lending and real estate services. He creates a comfortable and confident experience for anyone he works with.

Diana Castro

Jose is truly an amazing, responsive, and educational professional. What sets him apart is his genuinely caring approach he doesn't view clients as just another transaction. He consistently puts tremendous effort into his service, ensuring everyone feels deeply valued and respected. Jose excels at building a strong connection and always makes you feel completely understood. His dedication and personal investment in his clients are outstanding.

FIRST TIME HOMEBUYER FLORIDA TIPS

Tampa First-Time Home Buyer Programs 2026 — Key Things You Must Know Before Applying
Most Tampa 2026 buyer programs need a 640+ credit score, stable 2-year income, DTI under 50%, and a HUD class. Many offer down payment help, but you’ll need documents, steady employment, and a qualifying primary residence.   Recent Buyer Trends: First-Time Buyers Still Lead the Market Recent data fr
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VA Loans in Tampa Bay: The Complete Guide for Military Buyers and MacDill AFB Relocations
If you’re an active-duty service member or veteran moving to Tampa Bay or stationed at MacDill Air Force Base, this guide simplifies everything you need to know about VA home financing in Florida. We break down eligibility, current VA loan rates, and the application process in a clear way, while als
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USDA-Eligible Areas Near Tampa Bay and Orlando: Living in Ocala, Lakeland, and Brooksville
This guide breaks down three of the best USDA-eligible areas in Central Florida—Ocala, Lakeland, and Brooksville—and shows what it’s really like to live there, including schools, cost of living, pros and cons, and current housing trends. You’ll also learn how USDA loans work, how to qualify, and why
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