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

Miramar Beach is a census-designated place in Walton County, Florida, United States. The population was 6,146 at the 2010 census.

Schools in and around Miramar Beach

Gateway Academy
122 Poinciana Blvd · +1 850-654-9095

Walton Academy Inc
101 Business Centre Dr · +1 850-892-3999

Van R Butler Elementary School
Santa Rosa Beach, FL, United States · +1 850-622-5040

first time home buyer miramar beach
Miramar Beach is in Walton County and is one of the best places to live in Florida. Living in Miramar Beach offers residents an urban feel and most residents own their homes. Many retirees live in Miramar Beach and residents tend to be conservative. The public schools in Miramar Beach are above average. Not just Miramar Beach, we are serving all of First Time Home Buyer Florida market.

Things To Do In and Around Miramar Beach Florida

  • The Golf Garden of Destin (Golf)
  • Emerald Coast Wine Cellars (Wine, winery and wine tasting)
  • Henderson Beach State Park (Beach sanctuary with a boardwalk)
  • Baytowne Wharf Boulevard (Golf)
  • Crab Trap Destin (Spacious, beachfront seafood shack)
  • Emerald Bay Golf Club (18-hole golf course, eatery & hotel)










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