We proud on ourselves as Pensacola Florida’s #1 First Time Home Buyer loan lender. We are helping borrowers in Pensacola 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 Pensacola 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 Pensacola 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 Pensacola Florida

Pensacola is the westernmost city in the Florida Panhandle, and the county seat of Escambia County, Florida. As of 2019, the population was estimated to be 52,975. Pensacola is the principal city of the Pensacola Metropolitan Area, which had an estimated 502,629 residents as of 2019.

Schools in and around Pensacola

Escambia School
2005 N 6th Ave · +1 850-494-5739

Pensacola High School
500 W Maxwell St · +1 850-595-1500

Cordova Park Elementary School
2250 Semur Rd · +1 850-595-6830

first time homebuyer pensacola
Pensacola is a great place to live if you love the outdoors. The metro area has many public parks, as well as access to brackish bays and expansive beaches along the Gulf of Mexico – the Gulf Islands National Seashore is especially beautiful. Museum; and the Pensacola Lighthouse and Maritime Museum. Not just Pensacola, we are serving all of First Time Home Buyer Florida market.

Things To Do In and Around Pensacola Florida

  • National Naval Aviation Museum (Aircraft exhibits & flight simulator)
  • Pensacola Lighthouse & Maritime Museum (Historic lighthouse with museum & views)
  • Gulf Islands National Seashore (Beach with recreation & historic forts)
  • Pensacola Museum of Art (Former jail now showcasing fine art)
  • Fort Barrancas (Storied fort with a museum & tours)
  • Naval Live Oaks Nature Preserve (Coastal trails & a visitor center)










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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