We are proud to be Winter Haven Florida’s most prestigious First-Time Loan lender for Homebuyers. We assist the borrowers of Winter Haven Florida to qualify for the most favorable First-Time Home Buyer loan that meets their needs for borrowing. Certain First Time homeowner Buyer program for loans available located in Winter Haven Florida are backed by the Federal Housing Administration (FHA). These sought-after first-time home buyer loans have lower minimum credit scores as well as down payment to allow it to be easier to be eligible.

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

Winter Haven is a city in central Florida, known for its canal-linked Chain of Lakes. Several lakes have waterside parks and eateries, as well as boat ramps and water-sports rentals. On Lake Eloise, Legoland Florida Resort includes Cypress Gardens, a 1930s botanical garden, and Lego-brick attractions, rides and a water park. West of the city, Circle B Bar Reserve has forest trails and alligator-inhabited wetlands.

Schools in and around Winter Haven

Brigham Academy
601 Avenue C SE · +1 863-291-5300

Winter Haven High School
600 6th St SE · +1 863-291-5330

Jewett School of the Arts
2250 8th St NE · +1 863-291-5373

first time homebuyer winter haven
Winter haven, is a nice quite town embeded with history, the city was originally named Harris Corners, it has 50 connecting lakes which you can fish from and participate in water sports. Overall Winter Haven is a quite town perfect for raising a family and to get away from big city life. Not just Winter Haven, we are serving all of First Time Home Buyer Florida market.

Things To Do In and Around Winter Haven Florida

  • LEGOLAND® Florida Resort (Lego-themed hotel with a pool & dining)
  • Bok Tower Gardens (Tranquil gardens with a “singing” tower)
  • LEGOLAND Florida Water Park (Water park and park and garden)
  • Cypress Gardens (Botanical garden with native plants)
  • Lake Link (Fishing, lake and river)
  • Peppa Pig Theme Park (Amusement park)











smart choices

Discuss Loan Options

I would like to discuss my loan options


Quick Apply

I would like to apply for my loan myself

apply home loan


I am shopping for a home and would like to pre-qualify for my price range.