First Time Home Buyer Fernandina Beach Florida

We proud on ourselves as Fernandina Beach Florida’s #1 First Time Home Buyer loan lender. We are helping borrowers in Fernandina Beach Florida to qualify for the best First Time Home Buyer loan to meet their borrowing requirements. Some First Time Home Buyer loan programs in Fernandina 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 Fernandina Beach 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 Fernandina Beach Florida. Use this application to pre-qualify and start shopping for your new home in Fernandina Beach 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 Fernandina Beach Florida

Fernandina Beach is a city in and the county seat of Nassau County, Florida, United States. It is the northernmost city on Florida’s Atlantic coast, situated on Amelia Island, and is one of the principal municipalities comprising Greater Jacksonville. The area was first inhabited by the Timucuan Indian people.

Schools in Fernandina Beach, FL

Fernandina Beach High School
435 Citrona Dr · +1 904-491-7937

Southside Elementary School
1112 Jasmine St · +1 904-491-7941

Fernandina Beach Middle School
315 Citrona Dr · +1 904-491-7938

first time home buyer Fernandina Beach
Fernandina Beach is in Nassau County and is one of the best places to live in Florida. Living in Fernandina Beach offers residents a sparse suburban feel and most residents own their homes. In Fernandina Beach there are a lot of parks. Many retirees live in Fernandina Beach and residents tend to lean conservative. Not just Fernandina Beach, we are serving all of First Time Home Buyer Florida market.

Things To Do In and Around Fernandina Beach Florida

  • Fort Clinch State Park (Camping & hiking at a historic fort)
  • Amelia Island Museum of History (Jail turned museum offering tours)
  • Fort Clinch (Preserved 19th-century gem with tours)
  • Amelia Island Lighthouse (19th-century lighthouse with tours)
  • Fort Clinch State Park Main Entrance (Camping)
  • Main Beach Park (Sand volleyball, playground & pavilions)

 

 

 

 

 

 

 

 

 

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