We proud on ourselves as Holmes Beach Florida’s #1 First Time Home Buyer loan lender. We are helping borrowers in Holmes 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 Holmes 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 Holmes 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 Holmes Beach Florida. Use this application to pre-qualify and start shopping for your new home in Holmes 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 Holmes Beach Florida

Holmes Beach is a city on Anna Maria Island in Manatee County, Florida, United States. It is part of the Bradenton–Sarasota–Venice Metropolitan Statistical Area. The city occupies the central part of Anna Maria Island and is one of three municipalities on the island.

Schools in Holmes Beach, FL

Anna Maria Elementary School
4700 Gulf Dr

School For Constructive Play
6608 Marina Dr · In Gloria Dei Lutheran Church

Island Real Estate
6101 Marina Dr

first time home buyer holmes beach
Living in Holmes Beach offers residents a dense suburban feel and most residents own their homes. In Holmes Beach there are a lot of bars, restaurants, and coffee shops. Many retirees live in Holmes Beach and residents tend to lean conservative. The public schools in Holmes Beach are above average. Not just Holmes Beach, we are serving all of First Time Home Buyer Florida market.

Things To Do In and Around Holmes Beach Florida

  • Manatee Public Beach (Beach park with a playground & grills)
  • Anna Maria Public Beach (White sand, calm water & beach rentals)
  • Robinson Preserve (Natural setting for biking & picnics)
  • DeSoto National Memorial (Living history, shore & nature trails)
  • Manatee County Beach (Beach)
  • Neal Preserve (Wetlands with trails & a lookout tower)











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