First Time Home Buyer Marathon Florida provides the best mortgage rates in Marathon Florida for First Time Home Buyers including VA Loans, FHA Loans, HomeReady, Jumbo and Non-QM Loans. We are helping borrowers in Marathon Florida to qualify for the best First Time Home Buyer loan to exceed their borrowing requirements. 

First Time Home Buyer Marathon 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 Marathon Florida. Use this application to pre-qualify and start shopping for your new home in Marathon 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 Marathon Florida

Home loan flip application

Here is a list of just some of the home loan programs available in Marathon Florida from

1. FHA Loans (Federal Housing Administration Loans):Insured by the FHA, these loans offer low down payment options, making homeownership more accessible. Benefits in Marathon, Florida: Ideal for first-time homebuyers in Marathon, 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 Marathon, Florida:  Conventional loans are suitable for homebuyers in Marathon 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 Margate, Florida: A great option for military personnel in Marathon, VA loans provide the opportunity to purchase a home with no down payment, making homeownership more accessible.

4. USDA Loans (United States Department of Agriculture Loans): Designed for rural and suburban homebuyers, offering low to no down payment options. Benefits in Marathon Florida: While Marathon is urban, nearby rural areas may qualify for USDA loans, providing a pathway to homeownership with favorable terms.

5.  Marathon Jumbo Loans: – Mortgages that exceed the conforming loan limits set by government-sponsored enterprises, suitable for high-value properties. Jumbo Loan Benefits in Margate Florida: Ideal for luxury properties in Marathon, 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 Marathon Florida: Various loan programs specifically tailored to assist individuals purchasing their first home. Benefits of a first time home loan in Marathon Florida: First-time homebuyer loans often come with low down payments and favorable terms, supporting residents in Margate entering the housing market.

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

8. Non-QM Loans Marathon: 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 Marathon, 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.

Marathon is a city in the Florida Keys. It’s set on 13 islands, known for their beaches and barrier reef. Loggerhead turtles nest at Coco Plum Beach and Sombrero Beach. Curry Hammock State Park has a sandy shoreline and mangrove creek. The Dolphin Research Center offers interactive demos in a shallow lagoon. Near the City Marina, Crane Point features a tropical forest, bird-rescue center and natural history museum.

Schools in and around Marathon

Marathon High School
350 Sombrero Beach Rd · +1 305-289-2480

Stanley Switlik Elementary
3400 Overseas Hwy · +1 305-289-2490

San Pablo School
No reviews · School

first time home buyer Marathon
Living in Marathon offers residents a dense suburban feel and most residents own their homes. In Marathon there are a lot of bars, restaurants, and coffee shops. Many young professionals live in Marathon and residents tend to have moderate political views. The public schools in Marathon are highly rated. Not just Marathon, we are serving all of First Time Home Buyer Florida market.

Things To Do In and Around Marathon Florida

  • Turtle Hospital (Turtle care center with public tours)
  • Dolphin Research Center (Dolphin shows & encounters)
  • Sombrero Beach (Sand, swimming & turtle nesting-ground)
  • Crane Point Hammock (63-acre center featuring local wildlife)
  • Florida Keys Aquarium Encounters (Hands-on programs & marine life exhibits)
  • Coco Plum Beach (Beach)



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