First Time Home Buyer Indian Rocks Beach

First Time Home Buyer Programs
FHA Starts at 3.5% Down
HomeReady 3% Down
VA Home Loans – No Money Down!
Conventional at 5% Down
Home Loans for business owners using statement only or P&Ls only 15% Down!


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

First Time Home Buyer Indian Rocks 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 Indian Rocks Beach Florida. Use this application to pre-qualify for the best mortgage rates indian rocks beach florida and start shopping for your new home today! Purchase, Refinance, Cash Out Refinance.

Business owners can qualify for a no doc loan!

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 Indian Rocks Beach Florida

Some First Time Home Buyer loan programs in Indian Rocks 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.

Home loan flip application

Indian Rocks Beach, or IRB, is a city in Pinellas County, Florida, United States. The population was 4,286 at the 2018 census. Indian Rocks Beach is part of the Tampa-St. Petersburg-Clearwater, FL Metropolitan Statistical Area.

Schools in Indian Rocks Beach, FL

Cottingham School
+1 727-517-0775

Country Day School – Indian Rocks Beach
206 23rd Ave N · +1 727-517-0775

Beach Art Center
1515 Bay Palm Blvd · +1 727-596-4331

first time home buyer indian rocks beach
Indian Rocks is known for its eclectic, carefree beach-resort atmosphere. It draws a lot of visitors who enjoy its sparkling waters, shops, seafood restaurants, nature preserve, six public parks, boardwalk, boat ramp and bi-annual Arts and Crafts Festival. Not just Indian Rocks Beach, we are serving all of First Time Home Buyer Florida market.

First time home buyer Indian Rocks Beach


Things To Do In and Around Indian Rocks Beach Florida

  • Splash Harbour Water Park (Water slides, a lazy river & kids’ areas)
  • Gulf Boulevard
  • Long coastal road connecting beaches
  • Florida Botanical Gardens (Formal gardens & natural areas)
  • Sand Key (Quiet area of a barrier island)
  • Indian Rocks Beach Nature Preserve (Oceanfront park with mangrove boardwalk)
  • Heritage Village (Living history museum for all ages)
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