Home Loan
Naples Florida

* As Low As 3% Down!
* FICO starting at 550
* Fast Closing
* First Time Home Buyer Programs
* Jumbo and Super Jumbo Loans
* No Doc Loans for Business Owners
* Foreign National and ITIN Loans


We proud on ourselves as Naples Florida’s most competitive home lender and resource for First Time Home loans in Naples. We are helping borrowers in Naples Florida to qualify for the best Home Loans to meet their borrowing requirements. From the first time home buyer in Naples to the second home jumbo or super jumbo loan, CambridgeHomeLoan.com is your source for the best rates and terms.

First Time Home Buyer Naples Florida

CambridgeHomeLoan.com 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 Naples Florida. Use this application to pre-qualify and start shopping for your new home in Naples 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 Naples Florida

Home loan flip application

Naples is a city on the Gulf of Mexico in southwest Florida that’s known for high-end shopping and golf courses. The Naples Pier, first erected in 1888, is the city’s symbol, and is a popular fishing and dolphin-spotting destination. It’s flanked by miles of beaches with calm waters and fine white “sugar” sand, including those at Clam Pass Park and Delnor-Wiggins Pass State Park.

Schools in and around Naples

Mason Classical Academy Elementary and Middle School (K-8)
3073 Horseshoe Dr S · +1 239-227-2838

Collier County Public School
2825 Airport-Pulling Rd · +1 239-430-6622

Gulf Coast Charter Academy South
215 Airport-Pulling Rd · +1 239-784-1539

first time home buyer naples
Ranked as having the sixth-highest per capita income in the country, Naples is one of the most desirable places to live. Located in southwest Florida and situated next to the Gulf of Mexico, Naples is best known for its high-end shopping, an abundance of golf courses, and pristine beaches with beautiful sunsets. Not just Naples, we are serving all of First Time Home Buyer Florida market.

Things To Do In and Around Naples Florida

  • Naples Pier (Historic fishing pier with a food stand)
  • Lowdermilk Park (A scenic beach with volleyball courts)
  • 5th Avenue South (Shopping street from downtown to beach)
  • Naples Zoo at Caribbean Gardens (Gator feeding & boat ride to see monkeys)
  • Lowdermilk Beach (Park and garden and beach)
  • Naples Depot Museum (Exhibits of historic transportation)


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