First Time Home Buyer Lutz Florida

Lutz Florida’s #1 First Time Home loan lender. We are helping borrowers in Lutz Florida to qualify for the best First Time Home loan to meet their borrowing requirements. Some First Time Home Buyer loan programs in Lutz 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 Loan 
Lutz Florida has a number of First time home loans programs available in Lutz, 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 Lutz Florida. Use this application to pre-qualify and start shopping for your new home in Lutz today! Purchase, Refinance, Cash Out Refinance.

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 Lutz Florida

Home loan flip application

Here is a list of just some of the home loans available in Lutz Florida from

1. FHA Loans (Federal Housing Administration Loans):Insured by the FHA, these loans offer low down payment options, making homeownership more accessible. Benefits in Lutz Florida: Ideal for first-time homebuyers in Lutz, FHA loans provide a lower down payment requirement, facilitating entry into the real estate market.

2. Conventional Loans: Standard mortgage loans not backed by a government agency, often requiring a higher credit score and down payment.  Benefits in Lutz Florida:  Conventional loans are suitable for homebuyers in Lutz with solid credit and financial stability, offering flexibility in property types and terms. Starting at 5% Down!

3. VA Loans (Veterans Affairs Loans):- Available to eligible veterans, active-duty service members, and surviving spouses, offering favorable terms and no down payment. Benefits of a VA loan in Lutz Florida: A great option for military personnel in Lutz, VA loans provide the opportunity to purchase a home with no down payment, making homeownership more accessible.

4. USDA Loans (United States Department of Agriculture Loans): Designed for rural and suburban homebuyers, offering low to no down payment options. Benefits in Lutz Florida: While Miami Beach is urban, nearby rural areas may qualify for USDA loans, providing a pathway to homeownership with favorable terms.

5.  Lutz Jumbo Loans: – Mortgages that exceed the conforming loan limits set by government-sponsored enterprises, suitable for high-value properties. Jumbo Loan Benefits in Lutz Florida: Ideal for luxury properties in Lutz jumbo loans accommodate larger loan amounts, allowing buyers to finance higher-end homes. No Doc and Low Doc loans for self employed borrowers including P&L only and Bank Statement only home loans. 

6. First-Time Homebuyer Loans Lutz Florida: Various loan programs specifically tailored to assist individuals purchasing their first home. Benefits of a first time home loan in Lutz Florida: First-time homebuyer loans often come with low down payments and favorable terms, supporting residents in Lutz entering the housing market.

7. Foreign National Loans Lutz Allow for foreign nationals including ITIN and resident aliens to purchase a home with a mortgage loan.

8. Non-QM Loans Lutz: Non-QM Loans including Bank Statement Loans, P&L Only Loans, Foreign National and DSCR Loans. These loans allow for limited documentation and in some cases have no income or tax return requirements. 

When exploring home loans in Lutz, it’s crucial for potential buyers to consider their financial situation, goals, and the specific benefits offered by each loan type. Additionally, contacting a mortgage professional at can provide personalized guidance based on individual circumstance.

Lutz Florida is located in Hillsborough County, Florida. There are roughly 60,683 residents, living in 23,685 households. 

The average temperature for Lutz this time of the year is low of 49F and high of 71F. On average, Lutz gets about 2.96 inches of precipitation in January. Most residents are home owners (71%), have a post secondary degree (62%) and are single, no kids (37%). 

Best Restaurants in Lutz Florida

Sacred Pepper
Bonefish Grill
Villagio Ristoranti
The Courtyard Grill
Nabruzzi Trattoria
Stonewood Grill and Tavern


Mortgage Calculator
Purchase Price: $
Down Payment: $
Loan Term: years
Interest Rate: %
Property Tax: $ /year
Insurance: $ /year
Payment: $ /month

Nestled just 14 miles north of the city of Tampa Florida, Lutz offers plenty of family friendly activities.  Whether you are seeking thrills or relaxing recreation, Lutz has something for everyone.

Here are some of the top rated attractions Lutz has to offer. 

Lake Park
Tampa Premium Outlets
Family Friendly Farms
Lost in Lutz Escape Room
Heritage Harbor Golf Course
Art Bar
Purge Room
Royal Lanes



benefits of a hard money loan florida

Benefits Of A DSCR Loan Florida

Home Benefits of DSCR Loan Florida DSCR loan Florida offers several benefits for real estate investors in Florida: The first and probably the most important to

Read More »

DSCR Loans Florida

Home DSCR Loans in Florida and around the US with a Fix and Flip Loan and DSCR Loan Florida from

Read More »
ultimate guide to dscr loan

Ultimate Guide To DSCR Loans

Home The Ultimate Guide to DSCR Loans: Everything You Need to Know Introduction When it comes to real estate investment, finding innovative financing solutions is

Read More »
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.