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

Palm Coast is a city in Flagler County, Florida. As of the 2010 United States Census, the population was 75,180, more than twice the 32,832 counted in 2000. The population was estimated to be 89,800 in 2019. It is the most populous city in Flagler County.

Schools in and around Palm Coast

Flagler Palm Coast High School
5500 FL-100 E · +1 386-437-7540

Matanzas High School
3535 Pirate Nation Way · +1 386-447-1575

Imagine School at Town Center
775 Town Center Blvd · +1 386-586-0100


first time homebuyer palm coast
Natural beauty, an active sports scene, and a vibrant culture await those moving to and living in Palm Coast, Florida. Incorporated in 1999, Palm Coast is one of the newest and fastest-growing cities in the U.S. The city lies along Interstate 95 in Northeast Florida, nestled between Daytona Beach and St. Augustine, within minutes of the Atlantic Ocean. Not just Palm Coast, we are serving all of First Time Home Buyer Florida market.

Things To Do In and Around Palm Coast Florida

  • Marineland Dolphin Adventure (Aquatic preserve with trained mammals)
  • Washington Oaks Gardens State Park (Expansive space featuring live oak trees)
  • Faver-Dykes State Park (Creekside campgrounds, canoeing & trails)
  • Princess Place Preserve (Historic lodge & trails in a preserve)
  • Bulow Plantation Ruins Historic State Park (Remains of a 19th-century frontier farm)
  • Bulow Creek State Park (Ancient trees, submerged land & more)












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