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

Key Largo is a census-designated place in Monroe County, Florida, United States, located on the island of Key Largo in the upper Florida Keys. The population was 12,447 at the 2020 census. The name comes from the Spanish Cayo Largo, or “long key”.

Schools in Key Largo, FL

Key Largo Elementary School
104801 Overseas Hwy · +1 305-453-1255

Ocean Studies Charter School
100360 Overseas Hwy · +1 305-852-7700

Montessori Academy of The Upper Keys
5 Transylvania Ave · +1 305-451-7077

first time home buyer key largo
Key Largo is the uppermost Key and has many advantages when compared to the other Keys, chief of which is its proximity to the mainland. The Key is a popular destination and is seen by many as the best area to live in the Florida Keys. Key Largo Real Estate offers housing options that are as diverse as its population. Not just Key Largo, we are serving all of First Time Home Buyer Florida market.

Things To Do In and Around Key Largo Florida

  • John Pennekamp Coral Reef State Park (Glass-bottom boats, snorkeling & kayaks)
  • Dolphins Plus Bayside (Swimming with dolphins in a lagoon)
  • Dagny Johnson Key Largo Hammock Botanical State Park (Plant & animal preserve with trails)
  • Florida Keys Overseas Heritage Trail (Multipurpose trail spanning the Keys)
  • The Overseas Highway
  • Far Beach (Beach)









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