First Time Home Buyer Delray Beach Florida

  • As Low As 3% Down!
  • FICO starting at 550
  • Fast Closing! As fast as 15 Days!
  • First Time Home Buyer Programs
  • Jumbo and Super Jumbo Loans
  • No Doc Loans for Business Owners
  • Foreign National and ITIN Loans


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

Home loan flip application


Things To Do In and Around Delray Beach Florida

  • Cornell Art Museum at Old School Square (Art exhibits in a former school)
  • East Atlantic Avenue (Resort-town strip with many attractions)
  • Sandoway Discovery Center (Interactive nature programs & exhibits)
  • Arts Garage (Art, jazz, music, blues and concert)
  • Delray Public Beach (Beach)
  • Spady Museum (Exhibits on African-American history)

Here are some common types of home loan options you might explore:

  1. Conventional Loans in Deerfield Beach:

    • Offered by private lenders, these loans are not insured or guaranteed by the government.
    • Typically require a higher credit score and may have varying down payment requirements.
  2. FHA Loans (Federal Housing Administration):

    • Insured by the federal government, FHA loans often have more lenient credit requirements and lower down payment options (as low as 3.5%). Apply Now!
  3. VA Loans (Veterans Affairs):

    • Exclusive to eligible veterans, active-duty military members, and certain surviving spouses.
    • Often offers 100% financing, meaning no down payment is required. – VA Loan Application!
  4. USDA Loans:

    • Backed by the U.S. Department of Agriculture, these loans are designed for eligible rural and suburban homebuyers and offer 100% financing.
  5. Jumbo Loans Deerfield Beach:

    • Designed for financing high-value homes that exceed conventional loan limits.
    • May require a higher credit score and a larger down payment. Jumbo Loan Application!
  6. Fixed-Rate Mortgages:

    • Interest rates remain constant throughout the loan term, providing predictable monthly payments.
  7. Adjustable-Rate Mortgages (ARMs):

    • Interest rates may change after an initial fixed period, leading to potential fluctuations in monthly payments.

  9. Fannie Mae HomeReady and Freddie Mac Home Possible:

    • Designed to help low to moderate-income borrowers with down payment assistance and flexible credit requirements. As Low As 3% Down. Pre-Qualify Here!

About Delray Beach Florida

Delray Beach is a small city on Florida’s southeast coast. The Pineapple Grove Arts District is dotted with public art and galleries. Nearby, Cornell Art Museum displays contemporary works. The lakeside Morikami Museum and Japanese Gardens offers tea ceremonies, calligraphy workshops and serene outdoor spaces. Wakodahatchee Wetlands is a park featuring a raised boardwalk with views of birds, turtles and alligators.

Schools in Delray Beach, FL

Village Academy
400 SW 12th Ave · +1 561-243-6100

Delray Beach Elementary School
51 N Swinton Ave · In Old School Square

Pine Grove Elementary School
400 SW 10th St · +1 561-266-1100

first time home buyer delray beach
As one of the most affordable areas in the city that consists of some of the top-rated schools around, Delray Shores is the obvious option for couples and young families. The downtown region of the city is a vibrant area filled with gorgeous older homes, modern condos, and apartment complexes. Not just Delray Beach, we are serving all of First Time Home Buyer Florida market.



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