First Time Home Buyer St. Cloud Florida

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

Home loan flip application

St. Cloud is a city in northern Osceola County, Florida, United States. It is on the southern shore of East Lake Tohopekaliga in Central Florida, about 26 miles southeast of Orlando. The population was 35,183 in the 2010 census, and 54,579 in the 2019 census estimate.

Schools in and around St. Cloud

St. Cloud Elementary School
2701 Budinger Ave · +1 407-891-3160

St. Cloud Preparatory Academy
3101 Progress Ln · +1 407-593-6601

Osceola County Public Schools
1200 Vermont Ave

first time homebuyer st cloud
Residents love living in St. Cloud because of the many new housing options, proximity to the state’s most popular attractions, and relaxing lifestyle only found in suburban Central Florida. Here are more reasons why St. Cloud, FL is a great place to live! Not just St. Cloud, we are serving all of First Time Home Buyer Florida market.

Things To Do In and Around St. Cloud Florida

  • Lake Tohopekaliga (Huge fishing lake with wildlife viewing)
  • Reptile World Serpentarium (Cobras, crocodiles & live shows)
  • East Lake Tohopekaliga (Familiar fishing spot with a boat launch)
  • Hwy 192
  • Lakefront Park (Park and garden and lake)
  • Ice Factory of Central Florida (Ice rinks for hockey & figure skating)











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