We proud on ourselves as 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

CambridgeHomeLoan.com 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.

According to an announcement by the FHA the loan limits 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 Lutz Florida

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

lutz florida home loan

Lutz Florida Real Estate

In December 2021 in Lutz, FL there were 15.9% less homes for sale than in November 2021. In December 2021 median list price was $389,385 and the average listing age was 12 days. Lutz, FL housing market in December 2021 saw over 42 listings sold above listed price, more than 14 sold at listed price and over 25 sold below.


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


Expert Real Estate Financing Blog



house hacking

House Hacking 101

“House Hacking” has been a trending topic within the real estate social media world – making its way to, debatably, be the number one suggestion

Read More »
home loan

About the FHA New 40-Year Loan

Earlier this month the Federal Housing Administration (FHA) announced that they will be establishing a 40-year financing option to reduce monthly mortgage payments for those

Read More »

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.