First Time Home Buyer Cedar Key #1 Best First Time Home Buyer Lender Cedar Key

First Time Home Buyer Cedar Key Florida

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For those aiming to buy their first home in Cedar Key, Florida, the First Time Home Buyer Loan Program presents an outstanding opportunity. This program offers significant perks such as down payments starting at just 3%, flexible credit score requirements, and competitive interest rates, making it easier for Cedar Key residents to navigate the mortgage process.

To qualify, applicants generally need to be first-time homebuyers or have not owned a property in the past three years. They must also meet specific credit and income criteria to demonstrate their ability to manage monthly mortgage payments. Tailored to make homeownership in Cedar Key both attainable and affordable, this program helps local residents turn their homeownership dreams into reality.

First Time Home Buyer Programs
Cedar Key Florida

CambridgeHomeLoan.com 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 Cedar Key Florida. Use this application to pre-qualify and start shopping for your new home in Cedar Key Florida today! Purchase, Refinance, Cash Out Refinance.

MORTGAGE LOAN APPLICATION
Pre-Qualify In Minutes

First

Last

Phone

Loan Type

Purchase Price

Down Payment

Est. Credit

Property Type

Bankruptcy

Estimated Debt

Social Security Number

Current Home Status

Existing Loan Balance

Cash Out Requested

Current Home Address

Home City

State

Zip

Date Of Birth Year-Month-Day

Employment Status

US Citizen

Marital Status

Have you or Co-Borrower served in the military

Yes No

Co Borrower (If none than skip to next)

Co Borrower First Name

Co Borrower Last Name

Co-B Email

Co-B Phone

Co-B FICO

Co-Borrwer Employment

Date Of Birth

US Citizen

Co Borrower Social Sec #

Notes For Lender

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

Benefits of Being A First Time Home Buyer In Cedar Key Florida

Low down payment with a minimum of 3% down payment
Lower credit scores. Down to 580 to for 3.5% down payment
VA Loan with No down payment required
For First Time Home Buyer's, FHA provides a guarantee loans to the lender who is actually extending the loan on an FHA loan.
To apply for an FHA loan, you'll need to provide your Social Security number, two years of tax returns and employment verification.
Simple Application and Approval Process
To apply for an FHA loan, you'll need to provide your Social Security number, two years of tax returns and employment verification.

Cedar Key is an island city off the northwest coast of Florida, in the Gulf of Mexico. It’s known for Cedar Key National Wildlife Refuge, a group of small islands with trails and rich birdlife. Cedar Key Museum State Park offers a nature trail, a 1920s home and artifacts depicting Cedar Key’s history as a busy port. Cedar Key Historical Museum explores the town’s past through photos, documents and Civil War items.

Schools in Cedar Key, FL

Cedar Key School
951 Whiddon Ave · +1 352-543-5223

Nature Coast Biological Station
552 1st St · +1 352-325-6078

hingh School Rosewood

Most residents that have lived here for generations live off of the island because the property taxes are not affordable. Cedar Key is a tourist town mostly. The fishing is great here and the atmosphere is laid back. Since the town is an island, it draws folks from all over the world. Not just Cedar Key, we are serving all of First Time Home Buyer Florida market.

First Time Home Buyer Cedar Key Florida