First Time Home Buyer St. Pete Beach Florida

We proud on ourselves as St. Pete Beach Florida’s #1 First Time Home Buyer loan lender. We are helping borrowers in St. Pete Beach 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. Pete Beach 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. Pete Beach 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. Pete Beach Florida. Use this application to pre-qualify and start shopping for your new home in St. Pete Beach 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. Pete Beach Florida

Home loan flip application

Port Charlotte is located in Charlotte County, Florida, United States. The population was 54,392 at the 2010 census. It is part of the Punta Gorda, Florida Metropolitan Statistical Area.

Schools in and around St. Pete Beach

Sunshine School

Gulf Beaches Elementary Magnet School
St. Petersburg, FL, United States · +1 727-893-2630

Montessori By the Sea
1603 Gulf Way · +1 727-360-7621

first time home buyer keystone
Old Florida charm with easy access to big-city amenities.

Port Charlotte is a hidden gem among Florida towns and a great choice for retirees who want to enjoy the easy pace of small-town life, access to Florida’s natural environment, and proximity to everything bigger cities have to offer. Not just St. Pete Beach, we are serving all of First Time Home Buyer Florida market.

Things To Do In and Around St. Pete Beach Florida

  • Upham Beach Park (Wide, white sandy beach with dunes)
  • Florida Orange Groves Winery (Winery, sparkling wine, wine and wine tasting)
  • Pass-a-Grille Beach (Low-key beach with water sports)
  • Gulf Beaches Historical Museum (History museum in a 1917 church)
  • Colonel Micheal J. Horan Park (Beachfront park, playground & pavilion)
  • Saint Pete Beach, FL (Beach famed for white sand & dolphins)











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