First Time Home Buyer Cedar Key Florida

Cedar Key Florida’s #1 First Time Home Buyer loan lender. Helping borrowers in Cedar Key Florida qualify for the best First Time Home Buyer loan to meet their borrowing requirements. Some First Time Home Buyer loan programs in Cedar Key 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
Cedar Key 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 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.

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 Cedar Key Florida

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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

first time home buyer cedar key
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

Things To Do In and Around Cedar Key Florida

  • Cedar Key State Park- Museum (History museum & a nature trail)
  • Cedar Keys National Wildlife Refuge (Offshore site for birding & fishing)
  • Cedar Key Historical Society (Quaint museum devoted to area heritage)
  • Atsena Otie Key (Island with the ruins of a pencil mill)
  • Cedar Key Railroad Trestle Nature Trail (Park and garden)
  • Cedar Key Fishing Pier (Fishing and beach)



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