Christmas Florida’s #1 First Time Home Buyer loan lender. Helping borrowers in Christmas Florida qualify for the best First Time Home Buyer loan to meet their borrowing requirements. Some First Time Home Buyer loan programs in Christmas 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
Christmas 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 Christmas Florida. Use this application to pre-qualify and start shopping for your new home in Christmas 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 Christmas Florida

Christmas is a census-designated place and an unincorporated area in Orange County, Florida, United States. It is part of the Orlando–Kissimmee Metropolitan Statistical Area. The population was 1,146 at the 2010 census.

Schools in Christmas, FL

  • Orlando Science Middle/High Charter School
  • Cornerstone Charter Academy High School
  • Legacy High Charter School
  • East River High School
  • BETA Alternative School
  • Simon Youth Academy at the Outlet Marketplace
  • Central Florida Leadership Academy Charter School
  • Everglades City, FL, United States
fha loan alachua
Christmas is a town in Florida with a population of 1,832. Living in Christmas offers residents a suburban rural mix feel and most residents own their homes. Residents of Christmas tend to be conservative. The public schools in Christmas are above average. Not just Christmas, we are serving all of First Time Home Buyer Florida market.

Things To Do In and Around Christmas Florida

  • Fort Christmas Historical Park (Replica 1837 fort & pioneer buildings)
  • Orlando Wetlands Park (Natural area for hiking & bird-watching)
  • Jungle Adventures, A Real Florida Animal Park (Zoological park with alligator feedings)
  • Tosohatchee Wildlife Management Area (Nature reserve with 60 miles of trails)
  • East Colonial Drive
  • Orlando Speed World (Popular track for street racing)









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