Abdiel’s Journey: From First time HomeBuyer to Owner in New Port Richey, FL

by Jose Mejia

First time homebuyer florida

Buying your first home is exciting—but let’s be honest, it can also feel overwhelming. If you’ve been searching for “mortgage lenders near me” or wondering about “current home loan interest rates,” you’re in the right place. Let me tell you about Abdiel’s journey to homeownership so you can see what’s possible.

From Renting to Owning: Abdiel’s Story

Abdiel, a dedicated healthcare professional at the VA Hospital in Tampa Bay, had been renting for years. Like many first-time buyers, he had questions about where to start. That’s when he connected with Jose, a local real estate and mortgage expert, for a consultation.

During their meeting, Jose walked Abdiel through the home-buying process, from understanding “FHA home loans Tampa” to figuring out his purchasing power. With that knowledge, Abdiel felt confident enough to take the next step: getting pre-approved.

The Pre-Approval Process: A Game Changer

Pre-approval is a crucial step that many buyers overlook. But Abdiel wanted to be prepared—he didn’t want to waste time looking at homes outside his budget. After starting the home loan process, he got pre-approved and had a clear understanding of his mortgage payments in relation to his price range.

By working with the best mortgage lenders in Tampa, Abdiel secured a loan that fit his needs. He was ready to find his dream home in New Port Richey, FL.

7353 Knoll Dr New Port Richey FL 34653

House Hunting: Finding the Perfect Fit

House hunting can be overwhelming, but not when you have a real estate team that listens. Based on his must-haves, we hand-selected properties that fit his criteria so he wouldn’t waste time touring homes that didn’t make sense.

After looking at 15 homes, Abdiel finally found the one—a two-car garage home that checked all his boxes. But there was one issue: the monthly mortgage payment was $250 more than his budget.

Strategizing to Secure the Best Home Loan

Instead of walking away from the perfect home, we explored options. Abdiel decided to use some of his savings to buy down his interest rate. We locked him into an FHA loan with a 5.625% interest rate, which brought his payments just under $1,850—right within budget.

This move made sense because he planned to keep the home for the long term, breaking even within four years.

First time homebuyer florida

Closing the Deal in Just 14 Days

After getting his offer accepted, we moved fast. The home inspection came back flawless, and we negotiated a few minor repairs to sweeten the deal. Within 14 days of accepting his offer, Abdiel closed on his first home—a smooth, stress-free process.

Are You Next? Let’s Make Your Homeownership Dreams Happen

If Abdiel’s journey sounds like something you want for yourself, let’s talk! Whether you’re searching for the best mortgage lenders in Tampa, need guidance on home loan pre-approval, or wish to understand current home loan interest rates, I’m here to help.

📞 Call me today and let’s get started on your homeownership journey!

FAQ: First-Time Homebuyers’ Most Common Questions

1. What’s the first step in buying a home?

The first step is getting pre-approved for a loan. This helps you understand how much house you can afford and makes you a stronger buyer in the eyes of sellers.

2. What are the current home loan interest rates?

Interest rates fluctuate, so it’s best to check with a lender for today’s rates. If you need a referral, I work with some of the best mortgage lenders in Tampa who can help you.