First Time Home Buyer Longboat Key Florida

*As low as 3% Down!
* VA Loans No Money Down
* Conventional Loans
*Jumbo and Non-QM Loans


Home Loan programs for Longboat Key Florida, offering the best mortgage rates in Longboat Key. . We are helping borrowers in Longboat Key Florida to qualify for the best First Time Home Buyer loan programs including FHA Loans, HomeReady, Jumbo Loans, VA Loans and Non-QM Loans, to meet their borrowing requirements. Some First Time Home Buyer loan programs in Longboat Key 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 Longboat Key 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 Longboat Key Florida. Use this application to pre-qualify and start shopping for your new home in Longboat Key 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 Longboat Key Florida

Here is a list of just some of the best home loan programs available in Longboat Key from

1. FHA Loans Longboat Key (Federal Housing Administration Loans):Insured by the FHA, these loans offer low down payment options, making homeownership more accessible. Benefits in Longboat Key Florida: Ideal for first-time homebuyers the FHA loans provide a lower down payment requirement, facilitating entry into the real estate market.

2. Conventional Loans: Standard mortgage loans not backed by a government agency, often requiring a higher credit score and down payment.  Benefits in Longboat Key Florida:  Conventional loans are suitable for homebuyers in Longboat with solid credit and financial stability, offering flexibility in property types and terms. Starting at 5% Down!

3. VA Loans (Veterans Affairs Loans):- Available to eligible veterans, active-duty service members, and surviving spouses, offering favorable terms and no down payment. Benefits of a VA loan in Longboat Key Florida: A great option for military personnel, VA loans provide the opportunity to purchase a home with no down payment, making homeownership more accessible.

4.  Longboat Key Jumbo Loans: – Mortgages that exceed the conforming loan limits set by government-sponsored enterprises, suitable for high-value properties. Jumbo Loan Benefits in Longboat Key Florida: Ideal for luxury properties in Longboat Key, jumbo loans accommodate larger loan amounts, allowing buyers to finance higher-end homes. No Doc and Low Doc loans for self employed borrowers including P&L only and Bank Statement only home loans. 

6. First-Time Homebuyer Loans Longboat Key Florida:

Various loan programs specifically tailored to assist individuals purchasing their first home. Benefits of a first time home loan in Longboat Key Florida: First-time homebuyer loans often come with low down payments and favorable terms, supporting residents entering the housing market.

7. Foreign National Loans : Allow for foreign nationals including ITIN and resident aliens to purchase a home with a mortgage loan.

8. Non-QM Loans : Non-QM Loans including Bank Statement Loans, P&L Only Loans, Foreign National and DSCR Loans. These loans allow for limited documentation and in some cases have no income or tax return requirements. 

When exploring home loans in Longboat Key, it’s crucial for potential buyers to consider their financial situation, goals, and the specific benefits offered by each loan type. Additionally, contacting a mortgage professional at can provide personalized guidance based on individual circumstance.

Things To Do In and Around Longboat Key Florida

  • Beer Can Island (Laid-back, boat-in beach & picnic spot)
  • Coquina Beach (Locale for swimming & scenic picnics)
  • Joan M Durante Community Park (Protected island featuring wetlands)
  • Cannons Marina (Marina and fishing)
  • Jewfish Key
  • Quick Point Nature Preserve (Nature)


Longboat Key is a town in Manatee and Sarasota counties along the central west coast of the U.S. state of Florida, located on and coterminous with the barrier island of the same name. Longboat Key is south of Anna Maria Island, between Sarasota Bay and the Gulf of Mexico.

Schools in and around Longboat Key

Emerson Education & Wellness
4134 Gulf of Mexico Dr · In Harbour Square · +1 941-312-5656

Sara Bay Sailing School
4134 Gulf of Mexico Dr · In Harbour Square · +1 941-914-5132

Bay Haven School of Basics Plus
Sarasota, FL, United States · +1 941-359-5800

first time home buyer keystone
Longboat Key is in Sarasota County and is one of the best places to live in Florida. Living in Longboat Key offers residents an urban feel and most residents own their homes. Many retirees live in Longboat Key and residents tend to be conservative. The public schools in Longboat Key are highly rated. Not just Longboat Key, we are serving all of First Time Home Buyer Florida market.



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