First Time Home loan Lakeland

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First Time Home loan programs in Lakeland 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 Loan Lakeland Florida

CambridgeHomeLoan.com has a number of First time home 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 Lakeland Florida. Use this application to pre-qualify and start shopping for your new home in Lakeland Florida today! Purchase, Refinance, Cash Out Refinance.

Self Employed Home Loans including Statement Loans, P&L Loans, Asset Depletion Loans and Jumbo Loans.

Prequalify now to see how much of Loan you can qualify for.

Benefits of Being A First Time Home Buyer In Lakeland Florida

Low down payment with a minimum of 3% down payment
Lower credit scores. Down to 580 to for 3.5% down payment
VA Loan with No down payment required
For First Time Home Buyer's, FHA provides a guarantee loans to the lender who is actually extending the loan on an FHA loan.
To apply for an FHA loan, you'll need to provide your Social Security number, two years of tax returns and employment verification.
Simple Application and Approval Process
To apply for an FHA loan, you'll need to provide your Social Security number, two years of tax returns and employment verification.

Lakeland is a Florida city, east of Tampa. Downtown’s Munn Park Historic District is known for its antiques shops and early-1900s architecture. Florida Southern College has several buildings designed by Frank Lloyd Wright. The city’s many lakes include Lake Mirror, with its promenade and neoclassical Hollis Garden. The Polk Museum of Art’s collection ranges from pre-Columbian artifacts to contemporary paintings.

Schools in and around Lakeland

Lincoln Avenue Academy
1330 N Lincoln Ave #1330 · +1 863-499-2955

Rochelle School of the Arts
1501 Martin L King Jr Ave · +1 863-499-2810

South McKeel Academy
2222 Edgewood Dr S · +1 863-510-0044

Living in Lakeland offers residents a dense suburban feel and most residents own their homes. In Lakeland there are a lot of parks. Many young professionals and retirees live in Lakeland and residents tend to have moderate political views. The public schools in Lakeland are above average. Not just Lakeland, we are serving all of First Time Home Buyer Florida market.

Things To Do In and Around Lakeland Florida

Polk Museum Of Art (Global collection from ancient to modern)
Circle B Bar Reserve (Recreational park & a discovery center)
Fantasy of Flight (Museum and aviation museum)
Safari Wilderness (Safari, lemurs and park and garden)
Explorations V Children’s Museum (Colorful venue for hands-on activities)
Hollis Garden (Scenic lakeside garden with fountains)

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