Captiva Florida’s #1 First Time Home Buyer loan lender. Helping borrowers in Captiva Florida qualify for the best First Time Home Buyer loan to meet their borrowing requirements. Some First Time Home Buyer loan programs in Captiva Florida are backed by the Federal Housing Administration (FHA). 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
Captiva 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 Captiva Florida. Use this application to pre-qualify and start shopping for your new home in Captiva Florida today! Purchase, Refinance, Cash Out Refinance.

According to an announcement by the FHA the loan limit for 2022 will be $420,680 for most of the country. The 2022 FHA loan limit for the high cost areas will be $970,800.

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 Captiva Florida

Captiva is an unincorporated community and census-designated place in Lee County, Florida, United States. It is located on Captiva Island. As of the 2010 census the population was 583, up from 379 at the 2000 census. It is part of the Cape Coral-Fort Myers, Florida Metropolitan Statistical Area.

Schools in Captiva, FL

International Academy of Education
14812 Captiva Dr · Near the South Seas Island Resort · +1 412-530-5185

New Moon Sailing
15951 Captiva Dr · In ‘Tween Waters Island Resort & Spa · +1 239-395-1782

Fish Old School, LLC
11401 Andy Rosse Lane · In McCarthy’s Marina · +1 239-641-3474

first time home buyer captiva
Lee County has beautiful beaches, warm weather, affordable housing, an experienced workforce, and an international airport providing advantages for your business and some would even say a better quality of life for your staff. Not just Captiva, we are serving all of First Time Home Buyer Florida market.

Things To Do In and Around Captiva Florida

  • South Seas Island Resort (Secluded beachfront complex with 3 pools)
  • Captiva Island (Peaceful beach for birding & swimming)
  • Turner Beach (County beach with fishing & a rock jetty)
  • Alison Hagerup Beach – Public Parking – Captiva Florida (Popular parking with a rocky beach)
  • Captiva Beach (Beach)
  • YOLO Watersports, Inc. (Parasailing)










FHA Mortgage

What is an FHA Loan?

So, what is an FHA Loan? Mortgages that are insured by the Federal Housing Administration (FHA) are referred to as FHA Loans. This type of

Read More »

Commercial Bridge Loan

Commercial Bridge Loans A Commercial Real Estate Bridge Loan is defined as a short-term real estate loan for a Commercial Property – such as a retail store,

Read More »
first time home buyer

First Time Home Buyer

Are you a first time home buyer that’s wondering if you can qualify for your first home. First time home buyers typically have information thrown

Read More »
First time home buyer

First Time Home Buyer Loan Options

One of the biggest hurdles for first-time home buyers is financing their purchase. Thankfully, there are numerous loan products and down-payment assistance programs designed to

Read More »

Discuss Loan Options

I would like to discuss my loan options

Quick Apply

I would like to apply for my loan myself


I am shopping for a home and would like to pre-qualify for my price range.