First Time Home Buyer Winter Garden Florida

  • As low as 3% Down if you have not purchased in 3 years
  • FICO as low as 550
  • Closing in as fast as 15 Days!
  • Limited Doc loans for business owners
  • Jumbo Loans, Foreign National & Non-QM Loans


LOAN APPLICATION  QUICK APPLY will help you on your home loan journey in Winter Garden Florida. provides First-Time Loans for Homebuyers offering the best mortgage rates in Winter Garden. We assist borrowers in Winter Garden Florida to qualify for the top First-Time Home Buyer loans including FHA Loans, VA Loans, Conventional Loans, Jumbo and Non-QM Loans. 

First Time Home Buyer Winter Garden 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 Winter Garden Florida. Use this application to pre-qualify and start shopping for your new home in Winter Garden Florida today! Purchase, Refinance, Cash Out Refinance.

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 Winter Garden Florida

Home loan flip application


Things To Do In and Around Winter Garden Florida

  • West Orange Trail (Car-free pathway for walkers & cyclists)
  • Central Florida Railroad Museum (Railroad memorabilia in an old station)
  • Garden Theatre (Theatre)
  • Plant St. Market (Market)
  • SOBO Art Gallery – Winter Garden Art Association (Art)
  • Newton Park (Lakefront playground, fishing & picnics)
  • Conventional mortgage Winter Garden – Fannie Mae and Freddie Mac both back the Conventional mortgage program, which only requires 5 percent down Click Here to qualify.

    Like most conventional low-down payment mortgage programs, the borrower is also required to pay for (PMI) Private Mortgage Insurance, which will be an additional cost with their monthly mortgage payment.

  • HomeReady mortgage – Fannie Mae’s HomeReady mortgage program also requires just 3 percent down (with PMI, although it might be less expensive), and offers more flexible underwriting.
  • Home Possible mortgage – Freddie Mac’s Home Possible mortgage program is similar to the HomeReady mortgage, with a 3 percent minimum down payment.
  • FHA Loans Winter Garden (Federal Housing Administration): FHA loans are government-backed loans designed for first-time homebuyers with lower credit scores. They require a smaller down payment (3.5%) but come with mortgage insurance premiums.

    VA Loans (Department of Veterans Affairs): VA loans are available to eligible veterans, active-duty service members, and certain surviving spouses. These loans offer 100% financing and generally have competitive interest rates.

     USDA Loans (United States Department of Agriculture): USDA loans are intended for rural and suburban homebuyers with low to moderate incomes. They provide 100% financing and often have lower interest rates.

    Jumbo LoansJumbo loans are used for high-value properties that exceed conventional loan limits. They typically require larger down payments and have stricter credit requirements.

    Fixed-Rate Mortgages: Fixed-rate mortgages have a constant interest rate over the loan term, providing predictable monthly payments. Common terms include 30, 20, or 15 years.

    Adjustable-Rate Mortgages (ARMs): ARMs have interest rates that can fluctuate after an initial fixed period. They often start with lower rates but can increase over time based on market conditions.

    Interest-Only Loans: Interest-only loans allow borrowers to pay only the interest for a specified period, typically 5 to 10 years. Afterward, payments increase to cover principal and interest.

    Reverse Mortgages: Reverse mortgages are designed for seniors aged 62 and older. They allow homeowners to convert home equity into cash, with loan repayment deferred until the homeowner sells the home, moves out, or passes away.

    Non-Qualified Mortgage (Non-QM) Loans: Non-QM loans are for borrowers who don’t meet conventional mortgage standards are self employed or do not have a w2 to possibly tax return to show income. Various types include:



Profit and Loss (P&L) Loans:  Suitable for self-employed individuals who may have fluctuating income. Closest thing to a no doc loan.

Statement Loans: Based on bank statements rather than tax returns, beneficial for those with non-traditional income documentation.

Foreign National Loans: Tailored for non-U.S. citizens or non-permanent residents.

Asset Depletion Loan: Uses assets like retirement savings, trust funds, treasuries, etc.,  to qualify you for a loan.

DSCR Loans: A DSCR loan is typically used when purchasing under an LLC or company and can provide up to 85% LTV. The DSCR loan is based on the assets income and not focused primarily on the borrower. There is no borrower income or employment requirement.

Fix and Flip Loans: Fix and flip loans are short-term financing options for real estate investors purchasing, renovating, and reselling properties. These loans often have higher interest rates but shorter terms. The can close in as fast as 5 days and provide up to 90% LTV.


Winter Garden is a city 14 miles west of Downtown Orlando in the western part of Orange County, Florida, United States. Established by Henry Harrel of Alachua in 1857, it was formerly called Beulah. It is part of the Orlando–Kissimmee–Sanford, Florida Metropolitan Statistical Area.

Schools in and around Winter Garden

West Orange High School
1625 Beulah Rd · +1 407-905-2400

Tildenville Elementary School
1221 Brick Rd · +1 407-877-5054

Whispering Oak Elementary School
15300 Stoneybrook W Pkwy · +1 407-656-7773

first time homebuyer winter garden
Winter Garden is in Orange County and is one of the best places to live in Florida. Living in Winter Garden offers residents a sparse suburban feel and most residents own their homes. Many families and young professionals live in Winter Garden and residents tend to lean liberal. Not just Winter Garden, we are serving all of First Time Home Buyer Florida market.



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