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First time buyers
First time buyer? Let's find your down payment help.
Heather's team helps first time buyers find down payment assistance programs, connect with lenders who use them, and buy with a clear plan.
The first time buyer game plan
- Money first. Talk with a lender who knows down payment assistance programs and get pre approved.
- Find your programs. Florida, county and some city programs may help with down payment or closing costs. Rules and funding change, so the team checks what is open right now.
- Know the true monthly cost. Mortgage, taxes, homeowners insurance, flood insurance where needed, plus HOA or CDD fees.
- Shop smart. Heather flags homes that may be hard to insure or finance before you fall in love with them.
- Offer, inspect, close. Heather negotiates, keeps the program paperwork on track and gets you to the keys.
Questions
Is there down payment assistance in Florida?
Yes. There are state, county and some city programs, and eligibility depends on things like income, purchase price and first time buyer status. Heather's team helps you find which ones fit and connects you with lenders who work with them.
How much do I need to buy my first home?
It depends on the loan and any assistance you qualify for. A lender can give you exact numbers, and Heather can introduce you to one.