We proud on ourselves as Crystal River Florida’s #1 First Time Home Buyer loan lender. We are helping borrowers in Crystal River Florida to qualify for the best First Time Home Buyer loan to meet their borrowing requirements. Some First Time Home Buyer loan programs in Crystal River 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 
Crystal River Florida

CambridgeHomeLoan.com has a number of First time home buyer loan programs available in Crystal River, 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 Crystal River Florida. Use this application to pre-qualify and start shopping for your new home in Crystal Springs 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 Crystal River Florida

Crystal River is a coastal city in western Florida. Kings Bay, which is fed by springs, is home to the Crystal River National Wildlife Refuge, sheltering manatees year-round. Boardwalks at Three Sisters Springs Wildlife Refuge offer views of the marine mammal and the natural springs. Northwest is Crystal River Archaeological State Park, with remains of an early Native American settlement, including ceremonial mounds

Best schools in Crystal River Florida

  • Dayspring Academy. Pasco County School District, FL. …
  • Zephyrhills High School. Pasco County School District, FL. …
  • PACE Center for Girls Pasco. …
  • James Irvin Education Center. …
  • Schwettman Education Center. …
  • AMIKids Pasco. …
  • Baycare Behavioral Health. …
  • Seacrest Country Day School.
crystal springs florida

Get in Touch Today

You can swim into the springs. Swimming in the springs (like you’ll do on a manatee tour) is amazing because the water is so clear. Just note, though, that during manatee season there are strict rules about where you can and can’t go

Things To Do In and Around Crystal River Florida

Crystal River  is a six mile long winding waterway fed by some 30 springs, connecting Kings Bay with the Gulf of Mexico. The bay and the river combine to provide virtually every aquatic activity conceivable—from swimming and diving, to boating,  kayaking, paddle boarding, water skiing, fishing and just drifting along admiring the views.

Crystal River is known for it’s world class fishing and visitors come from around the world to experience the sport on the pristine waterways.  The short run to the Gulf of Mexico and the abundance of fish relatively near the shore make for memorable days on the water.

  • BreakiT Smash Rooms. 22.9 mi. Arcades. …
  • Turkey Falls Creek. 22.7 mi. Lakes. …
  • Mississippi Music Museum. 9.2 mi. Museums. …
  • Mississippi Off Road Adventures. 18.0 mi. …
  • Sweet Olive Tour Boat. 33.4 mi. …
  • 601 Escape Rooms. 23.0 mi. …
  • Spinners Of Florence. 17.9 mi. …
  • Crystal Springs City of. 0.8 mi.

Expert Real Estate Financing Blog



house hacking

House Hacking 101

“House Hacking” has been a trending topic within the real estate social media world – making its way to, debatably, be the number one suggestion

Read More »
home loan

About the FHA New 40-Year Loan

Earlier this month the Federal Housing Administration (FHA) announced that they will be establishing a 40-year financing option to reduce monthly mortgage payments for those

Read More »

Discuss Loan Options

I would like to discuss my loan options

Quick Apply

I would like to apply for my loan myself

apply home loan


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