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

Palmetto is a city in Manatee County, Florida, United States. As of the 2010 census, the population was listed as 12,606. It is part of the North Port–Sarasota–Bradenton Metropolitan Statistical Area.

Schools in and around Palmetto

Palmetto Elementary
1540 10th St W · +1 941-723-4822

Palmetto Charter School
1601 17th St W · +1 941-723-3711

Palmetto High School
1200 17th St W · +1 941-723-4848


first time homebuyer palmetto
Palmetto is a small town north of Sarasota. Its close-knit, diverse community is what makes up the essence of Palmetto! With a variety of local, small businesses, as well as beautiful views and sights to see, it is an amazing place to live. Not just Palmetto, we are serving all of First Time Home Buyer Florida market.

Things To Do In and Around Palmetto Florida

  • The Bishop Museum of Science and Nature (Planetarium, aquarium & history museum)
  • Riverwalk (Scenic waterfront park with a playground)
  • Manatee County Agricultural Museum (Museum)
  • Gamble Plantation Historic State Park (Antebellum mansion with surrounding park)
  • DeSoto National Memorial (Living history, shore & nature trails)
  • Palmetto Historical Park










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