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

Gulf Breeze is a city in Santa Rosa County, Florida. It is a suburb of Pensacola, and is in the Pensacola Metropolitan Area. The population estimate was 6,900 in 2020. Gulf Breeze is located just north of Pensacola Beach, and south of Pensacola.

Schools in Gulf Breeze, FL

Gulf Breeze High School
675 Gulf Breeze Pkwy · +1 850-916-4100

Gulf Breeze Elementary School
549 Gulf Breeze Pkwy · +1 850-934-5185

Gulf Breeze School Center
221 Gulf Breeze Pkwy · +1 850-341-0011

first time home buyer gulf breeze
Gulf Breeze is one of the best places to live and raise a family. It offers many quality schools for parents to choose from and has an overall sense of safety with a low crime index. Many of the residents here are university graduates and young professionals just starting families. Not just Gulf Breeze, we are serving all of First Time Home Buyer Florida market.

Things To Do In and Around Gulf Breeze Florida

  • Naval Live Oaks Nature Preserve (Coastal trails & a visitor center)
  • Gulf Islands National Seashore (Beach with recreation & historic forts)
  • Deadmans Island (Beach)
  • Pensacola Beach Sign
  • Pensacola Bay (Gulf inlet with the city of Pensacola)
  • Pensacola Bay Bridge











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