First Time HomeBuyer New Smyrna Beach Florida

First Time Home Buyer New Smyrna Beach Benefits:

  • As low As 3% Down
  • FICO starting at 3% Down!
  • Close as fast as 15 Days
  • Real Estate Agents Welcome
  • PRe-Qualify in just 15 minutes

LOAN APPLICATION  QUICK APPLY prides itself as New Smyrna Beach Florida’s #1 First Time Home Buyer loan lender. We are helping borrowers in New Smyrna Beach Florida to qualify for the best rates and terms for First Time Home Buyer Programs including FHA Loans, VA Loans, Jumbo and Non-QM Loans. 

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

Home loan flip application

Home Loan New Smyrna Beach Florida

Things To Do In and Around New Smyrna Beach Florida

  • Ponce de Leon Inlet Lighthouse & Museum (1880s lighthouse & educational exhibits)
  • Smyrna Dunes Park (Vast space with nature trails & fishing)
  • Marine Science Center (Small aquarium with educational programs)
  • Atlantic Center for the Arts (Art, architecture, performing arts, visual arts and art museum)
  • Lighthouse Point Park (Park and garden, fishing and lighthouse)
  • Flagler Avenue (Seaside street with eateries & shops)


Mortgage Calculator
Purchase Price: $
Down Payment: $
Loan Term: years
Interest Rate: %
Property Tax: $ /year
Insurance: $ /year
Payment: $ /month


New Smyrna Beach is a Florida city south of Daytona Beach. It’s a surf hub known for its beaches, including nearby Canaveral National Seashore. The coastal Smyrna Dunes Park has views of Ponce Inlet and its lighthouse. Downtown’s palm-lined Canal Street Historic District has art galleries, shops and the New Smyrna Museum of History. The Mary S. Harrell Black Heritage Museum displays memorabilia in an 1899 church.

Schools in and around New Smyrna Beach

New Smyrna Beach High School
1015 10th St · +1 386-424-2555

Read-Pattillo Elementary School
400 6th St · +1 386-426-7400

Chisholm Elementary School
557 Ronnoc Ln · +1 386-424-2540

first time homebuyer new smyrna beach
Overall, New Smyrna Beach has a livability score of 80. The exceptional score is based on numerous factors including, weather, cost of living, low crime rates, lifestyle, and amenities. With lots of things to do and many destination cities close by, New Smyrna Beach is a suitable location for retiring. Not just New Smyrna Beach, we are serving all of First Time Home Buyer Florida market.



fix and flip loans
Fix and Flip Home Loans

How To Get a Loan To Flip A House

Home House flipping is a real estate venture that entails purchasing inexpensive homes that often need work, fixing them up, and then selling them for

Read More »
fha loan florida

What is an FHA Loan in Florida?

FHA Loans today allow for 100% financing for qualified borrowers. We are also offering the FHA NO FICO required home loan program. To Pre-qualify, fill out an application at

Read More »
va loan florida
VA Loan

Benefits of VA Loan in Florida

Home Benefits of VA Loan In Florida with No down payment is the #1 benefit available to Veterans, National Guard, Active Servicepeople and their spouses.

Read More »
va loan florida
VA Loan

VA Loan in Florida

VA loans are a valuable resource for veterans, active-duty service members, and eligible surviving spouses looking to purchase a home in Florida. These loans are

Read More »
benefits of a hard money loan florida

Benefits Of A DSCR Loan Florida

Home Benefits of A DSCR Loan Florida A DSCR loan Florida offers several benefits for real estate investors in Florida: The first and probably the most important

Read More »
dscr LOAN
DSCR Loan Florida

DSCR Loans Florida

Home DSCR Loans in Florida and around the US with a Fix and Flip Loan and DSCR Loan Florida from

Read More »
smart choices

Discuss Loan Options

I would like to discuss my loan options


Quick Apply

I would like to apply for my loan myself

apply home loan


I am shopping for a home and would like to pre-qualify for my price range.