First Time Home Buyer orlando

Benefits of a First Time Home Buyer Orlando:
* As Low As 3% Down!
* 100% Financing for qualified borrowers
* Seller contribution up to 6% Allowed
* Gift Funds Allowed
* 17 Day Closing
* FICO as low as 550


First Time Home Buyer Orlando Florida guide to best rates and terms.  We are helping borrowers in Orlando Florida to qualify for the best First Time Home loan to meet their borrowing requirements. has all of the first time home buyer programs to help you achieve your dream of a first time home buyer Orlando.

First Time Home Buyer 
Orlando Florida First time home loan programs available in Orlando Florida for those simple W2 employees to full 2 year tax returns, self employed loans, Non QM statement only and P&L 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 and 3.5% available grant
  • Mortgage insurance that is offset due to lower FHA interest rates than a conventional loan.
  • FHA Debt to income ratio of 50% or less
  • Ask About Home Loans For Business Owners. Jumbo Loans and Super Jumbo Home Loans.

Qualify for a 3% down First time home buyer Orlando home loan. Use this application to pre-qualify and start shopping for your new home in Orlando today! Purchase, Refinance, Cash Out Refinance.

A first time home loan is for any borrower with a qualifying FICO that has not purchased a home in the past 3 years, not just actual first time home  buyers.

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 Orlando Florida

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VA Loan Orlando – Loan For Military – No Money Down

Home Loans For Orlando Business Owners – No and Low Doc 


FHA loans offer several benefits for homebuyers in Orlando, as well as in other parts of the United States. Some of the advantages of using an FHA loan in Orlando include:

Lower Down Payment: FHA home loans Orlando typically require a lower down payment compared to conventional loans. You can qualify for an FHA loan with as little as 3.5% down, making it more accessible for first-time homebuyers and those with limited savings.

More Lenient Credit Requirements: FHA loans in Orlando are known for being more forgiving of lower credit scores. As low as 580 can potentially qualify for an FHA loan FOR 3.5% down and as low as 550 with 10% down. This makes homeownership possible for individuals with less-than-perfect credit.

Competitive Interest Rates: Orlando FHA loans often have competitive interest rates, which can help you save on your monthly mortgage payments.

Higher Loan Limits: FHA limits in Orlando and other areas can be higher than those for conventional loans. The limits may vary depending on the county, but this can be advantageous when purchasing a more expensive home.

Seller Concessions: Sellers can contribute up to 6% of the home’s purchase price towards your closing costs. This can help reduce your out-of-pocket expenses at the time of purchase.

Multifamily Properties: FHA loans can be used to purchase multifamily properties with up to four units, provided you live in one of the units as your primary residence. This can be a way to generate rental income while living in the property.

Streamlined Refinancing: If you already have an FHA loan and want to refinance, the FHA offers streamlined refinancing options that can make the process more straightforward and cost-effective.


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Home Buyers and a First Time Home Buyer in Orlando Enjoys many advantages. Among there are:

Climate: Orlando enjoys a warm and sunny climate for most of the year. Mild winters and hot summers make it an ideal place for those who prefer a more tropical climate.

Employment Opportunities: The city’s economy is diverse and robust, with opportunities in various sectors, including tourism, technology, healthcare, education, and more. Many major companies have a presence in the Orlando area.

Education: Orlando is home to a range of educational institutions, including public and private schools, as well as several colleges and universities. The University of Central Florida (UCF) is one of the largest universities in the country.

Recreation and Entertainment: Orlando is famous for its theme parks, including Walt Disney World, Universal Studios, and SeaWorld. These provide endless entertainment options for residents and their families.

Cultural Diversity: The city’s diverse population is reflected in its various cultural festivals, events, and international cuisine. You can find a wide range of cultural experiences, including museums, theaters, and art galleries.

Outdoor Activities: Orlando offers plenty of opportunities for outdoor activities such as golfing, hiking, and water sports. The city is surrounded by beautiful natural areas, including parks, lakes, and nature preserves.

Sports: Sports enthusiasts can enjoy games from various professional teams in Orlando, including the NBA’s Orlando Magic, and Orlando City Soccer Club in Major League Soccer (MLS).

Affordable Housing: The cost of living in Orlando is relatively affordable compared to some other major cities in Florida and the United States. Housing costs, in particular, can be reasonable.


Transportation: Orlando has a well-connected transportation network, including the Orlando International Airport, public transportation (LYNX), and major highways, making it easy to get around the city and beyond.

Tourist Amenities: The presence of tourist attractions means there are numerous amenities like restaurants, shopping centers, and entertainment options. These can benefit local residents by providing a wide range of choices.

Healthcare: Orlando is home to a variety of medical facilities, including major hospitals and specialty clinics, ensuring quality healthcare services for its residents.

Community and Lifestyle: The city offers a mix of urban and suburban living options, so you can choose a neighborhood that matches your lifestyle, whether you prefer a bustling city center or a quiet suburban area.

No State Income Tax: Florida is one of the few U.S. states with no state income tax, which can be advantageous for residents looking to keep more of their income.

Some of the Best Places In Orlando To Move:

Lake Nona
Winter Park
Dr Phillips
Baldwin Park
College Park
Avalon Park
Downtown Orlando and these are just a few.



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Orlando,Florida is the county seat of Orange county, central central Florida, U.S. It is situated in a region dotted by lakes, about 60 miles (95 km) northwest of Melbourne and 85 miles (135 km) northeast of the city of Tampa.  

The city is the focus for one of the state’s most populous metropolitan areas. 

Tourism, conventions, and trade shows are the basis of the city’s economy. Manufacturing (especially of aerospace and missile systems), high-technology industries, and the citrus industry are also important. 

Educational facilities include the  (1963) and Valencia  College (1967). Inc. 1875. Pop. (2010) 238,300; Orlando-Kissimmee-Sanford Metro Area, 2,134,411; (2020) 307,573; Orlando-Kissimmee-Sanford Metro Area, 2,673,376.

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Orlando Florida Real Estate

Average home price in Orlando is expected to be at $375,000 in 2023. With an 11 year population growth of 26% over 200 times the national average. 

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