First Time Home Buyer Punta Gorda Florida

We proud on ourselves as Punta Gorda Florida’s #1 First Time Home Buyer loan lender. We are helping borrowers in Punta Gorda Florida to qualify for the best First Time Home Buyer loan to meet their borrowing requirements. Some First Time Home Buyer loan programs in Punta Gorda Florida 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 Buyer Punta Gorda 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 Punta Gorda Florida. Use this application to pre-qualify and start shopping for your new home in Punta Gorda 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 Punta Gorda Florida

Home loan flip application

Punta Gorda is a city in Charlotte County, Florida, United States. As of the 2010 U.S. Census the city had a population of 16,641. It is the county seat of Charlotte County and the only incorporated municipality in the county.

Schools in and around Punta Gorda

Charlotte High School
1250 Cooper St · +1 941-575-5450

Punta Gorda Middle School
1001 Education Ave · +1 941-575-5485

Sallie Jones Elementary School
1230 Narranja St · +1 941-575-5440

first time homebuyer punta gorda
Punta Gorda is in Charlotte County and is one of the best places to live in Florida. Living in Punta Gorda offers residents a dense suburban feel and most residents own their homes. In Punta Gorda there are a lot of restaurants and parks. Many retirees live in Punta Gorda and residents tend to lean conservative. Not just Punta Gorda, we are serving all of First Time Home Buyer Florida market.

Things To Do In and Around Punta Gorda Florida

  • Peace River Wildlife Center (Wildlife refuge offering public tours)
  • Gilchrist Park (Scenic area with harbor views & tennis)
  • Charlotte Harbor Environmental Center (Nonprofit with educational programs)
  • Ponce De Leon Park (Tranquil spot with a beach & picnic area)
  • Military Heritage Museum (Museum)
  • Laishley Park (Waterfront park & marina with restaurant)











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