First Time Home Buyer Surfside Florida

We are proud to be Surfside Florida’s top First-Time Loan lender for Homebuyers. We help the borrowers of Surfside Florida to qualify for the most favorable First-Time Home Buyer loan that meets their requirements for borrowing. Certain First Time homeowner Buyer program for loans available that are available in Surfside Florida are backed by the Federal Housing Administration (FHA). These popular first-time homebuyer loans have lower minimum credit scores and lower down amounts to be able to get approved.

First Time Home Buyer Surfside Florida 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 Surfside Florida. Use this application to pre-qualify and start shopping for your new home in Surfside 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 Surfside Florida

Home loan flip application

Surfside is a town in Miami-Dade County, Florida, United States. The population was 5,689 as of the 2020 census. Surfside is a primarily residential beachside community, with several multistory condominium buildings adjacent to Surfside Beach on the Atlantic Ocean.

Schools in and around Surfside

Mater Beach Academy
Miami Beach, FL, United States · +1 305-864-2889

Deborah Sudent
1236 Biscaya Dr

Ruth K. Broad Bay Harbor K-8 Center
Bay Harbor Islands, FL, United States

first time homebuyer surfside
Surfside is in Miami-Dade County and is one of the best places to live in Florida. Living in Surfside offers residents an urban feel and most residents own their homes. In Surfside there are a lot of restaurants, coffee shops, and parks. Many families and retirees live in Surfside and residents tend to be liberal. Not just Surfside, we are serving all of First Time Home Buyer Florida market.

Things To Do In and Around Surfside Florida

  • Collins Avenue (Notable road for shopping & famed hotels)
  • North Beach Oceanside Park (Beachside green space with a dog run)
  • Haulover Park (Busy beachfront park with marina)
  • Surfside Beach (Beach)
  • Oleta River State Park (Verdant escape from big-city stress)
  • Bal Harbour Beach (Beach)











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