First Time Home Buyer Apalachicola Florida


Apalachicola Florida’s #1 First Time Home Buyer loan lender. Helping borrowers in Apalachicola Florida qualify for the best First Time Home Buyer loan to meet their borrowing requirements. These popular first time homebuyer loans require lower minimum credit scores and down payments to make it easier to qualify.

First Time Home Buyer Programs
Apalachicola Florida has a number of First time home buyer loan programs from simple W2 employees to full 2 year tax returns, self employed loans, Non QM loans and more with low down payments and fees. Contact us today to craft the loan that best fits your needs. Some qualifications below.

FHA First Time Home Buyer and HomeReady Program Terms

  • A credit score of at least 580 for a 3% down home loan
  • A credit score of 500 to 579 for a 10% down payment
  • FHA loan with 3.5% down payment requirement
  • Mortgage insurance that is offset due to lower FHA interest rates than a conventional loan.
  • FHA Debt to income ratio of 50% or less

Qualify for a 3% down Home Loan in Apalachicola Florida. Use this application to pre-qualify and start shopping for your new home in Apalachicola Florida today! Purchase, Refinance, Cash Out Refinance.

Contact us to find out what the loan limits in the county you would like to purchase in. Call now 800-826-5077. 

Prequalify now to see how much of Loan you can qualify for. 

Benefits of Being A First Time Home Buyer In Apalachicola Florida

Home loan flip application

Apalachicola is a city and the county seat of Franklin County, Florida, United States, on the shore of Apalachicola Bay, an inlet of the Gulf of Mexico. The population was 2,231 at the 2010 census.

 Apalachicola is most famous for its excellent quality oysters and so it is known as the oyster capital of the world. This is the place where most of Florida’s oysters are harvested. Also part of the thriving local fishing industry are blue crab, shrimp and varioust types of fish

Schools in Apalachicola, FL

Apalachicola Bay Charter School
98 12th St · +1 850-653-1222

Franklin Co Pub School Maint
166 Ave L · +1 850-653-9810

First Baptist Christian School
46 9th St · +1 850-653-9540

first time home buyer Apalachicola
Country Living Magazine recently named Apalachicola one of the best small towns in Florida—and it doesn’t surprise us one bit! 

For many years, Apalachicola has been renowned as one of the friendliest towns in all of the Sunshine State. Not just Apalachicola, we are serving all of 



Things To Do In and Around Apalachicola Florida

  • Orman House Historic State Park (Antebellum estate & botanical gardens)
  • John Gorrie Museum State Park (Local history & a pioneer’s inventions)
  • Raney House Museum (Museum in a fine 19th-century house)
  • Apalachicola Maritime Museum
  • Historic Apalachicola
  • Chapman Botanical Garden (Botanical park with a butterfly garden)










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