First Time Home Buyer Polk City Florida

Best Mortgage rates and terms Polk City Florida Home Loan Programs. is helping borrowers in Polk City Florida to qualify for the best First Time Home Buyer loan to meet their borrowing requirements. Some First Time Home Buyer loan programs in Polk City Florida are backed by the Federal Housing Administration (FHA). 

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

Home loan flip application

Polk City is a city in Polk County, Florida, United States. The population was 1,562 at the 2010 census. As of 2018, the population recorded by the U.S. Census Bureau is 2,422. It is part of the Lakeland–Winter Haven Metropolitan Statistical Area.

Schools in and around Polk City

Polk City Elementary School

first time homebuyer polk city
Polk City is a with a population of 2,226. Polk City is in Polk County. Living in Polk City offers residents a suburban rural mix feel and most residents own their homes. Many families live in Polk City and residents tend to lean conservative. Not just Polk City, we are serving all of First Time Home Buyer Florida market.

Things To Do In and Around Polk City Florida

  • Fantasy of Flight (Museum and aviation museum)
  • Van Fleet Trail (Cycling and swamp)
  • Green Swamp (Swamp, camping, hunting and river)
  • Safari Wilderness (Safari, lemurs and park and garden)
  • Lake Mattie (Lake)
  • Hilochee Wildlife Management Area, Osprey



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