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

Laguna Beach is a census-designated place in Bay County, Florida, United States. The population was 3,932 at the 2010 census. It is part of the Panama City–Lynn Haven–Panama City Beach Metropolitan Statistical Area. Laguna Beach was named after the city of the same name in California. 

Schools in Laguna Beach, FL

Surfside Middle School
Panama City Beach, FL, United States · +1 850-767-5180

BOII
Panama City Beach, FL, United States

fha loan alachua
Living in Laguna Beach offers residents a dense suburban feel and most residents own their homes. In Laguna Beach there are a lot of restaurants, coffee shops, and parks. Many retirees live in Laguna Beach and residents tend to be conservative. The public schools in Laguna Beach are above average. Not just Laguna Beach, we are serving all of First Time Home Buyer Florida market.

Things To Do In and Around Laguna Beach Florida

  • Florida 30A (Major road in Florida’s Panhandle)
  • Panama City Beach City Pier – 53 (Beach)
  • Powell Lake (Lake and fishing)
  • Lake Powell Park (Park and garden)
  • The Blue Giraffe (Art, painting and art museum)
  • West Bay Bridge

 

 

 

 

 

 

 

 

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