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

New Smyrna Beach is a Florida city south of Daytona Beach. It’s a surf hub known for its beaches, including nearby Canaveral National Seashore. The coastal Smyrna Dunes Park has views of Ponce Inlet and its lighthouse. Downtown’s palm-lined Canal Street Historic District has art galleries, shops and the New Smyrna Museum of History. The Mary S. Harrell Black Heritage Museum displays memorabilia in an 1899 church.

Schools in and around New Smyrna Beach

New Smyrna Beach High School
1015 10th St · +1 386-424-2555

Read-Pattillo Elementary School
400 6th St · +1 386-426-7400

Chisholm Elementary School
557 Ronnoc Ln · +1 386-424-2540

first time homebuyer new smyrna beach
Overall, New Smyrna Beach has a livability score of 80. The exceptional score is based on numerous factors including, weather, cost of living, low crime rates, lifestyle, and amenities. With lots of things to do and many destination cities close by, New Smyrna Beach is a suitable location for retiring. Not just New Smyrna Beach, we are serving all of First Time Home Buyer Florida market.

Things To Do In and Around New Smyrna Beach Florida

  • Ponce de Leon Inlet Lighthouse & Museum (1880s lighthouse & educational exhibits)
  • Smyrna Dunes Park (Vast space with nature trails & fishing)
  • Marine Science Center (Small aquarium with educational programs)
  • Atlantic Center for the Arts (Art, architecture, performing arts, visual arts and art museum)
  • Lighthouse Point Park (Park and garden, fishing and lighthouse)
  • Flagler Avenue (Seaside street with eateries & shops)









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