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

Panama City Beach is a waterfront town and vacation destination in northwest Florida. It’s known for miles of white-sand beaches fronting the calm, clear waters of the Gulf of Mexico. St. Andrews State Park, one of 2 protected nature preserves nearby, is bordered by the Gulf and has hiking trails and fishing piers. Pier Park is the main shopping hub and a venue for major events.

Schools in and around Panama City Beach

Breakfast Point Academy
601 Richard Jackson Blvd · +1 850-767-1190

Arnold High School
550 Alf Coleman Rd · +1 850-767-3700

Hutchison Beach Elementary
12900 Hutchison Blvd · +1 850-767-5195

first time homebuyer palm harbor
Living in Panama City Beach offers residents an urban feel and most residents own their homes. In Panama City Beach there are a lot of bars, restaurants, coffee shops, and parks. Many young professionals live in Panama City Beach and residents tend to lean conservative. Not just Panama City Beach, we are serving all of First Time Home Buyer Florida market.

Things To Do In and Around Panama City Beach Florida

  • St. Andrews State Park (Swimming, boating & camping resource)
  • Pier Park (Outdoor mall with more than 120 stores)
  • Shipwreck Island Waterpark (Tropical-themed water park)
  • Florida 30A (Major road in Florida’s Panhandle)
  • Camp Helen State Park (Day-use area with a large coastal lake)
  • Gulf World (Tropical garden & sea life attraction)











hard money loan
Hard Money Loan

Best Hard Money Lender in Tampa

Hard money loans are real estate mortgage loans provided by non-bank lenders. There are numerous hard money lenders that provide rapid funding at competitive interest rates.

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