The right loan supports the life you're building.
Buying your first home?
Start with first time homebuyer benefits: what you actually get, the myths that cost people money, and Florida's assistance programs. Then see first time buyer loans compared.
Which loan fits?
Take the Find My Loan quiz, or start with VA vs FHA vs USDA, then check credit score minimums and debt to income limits by loan.
Look past the rate
The rate gets the headlines, but it's only part of the cost. Your real monthly payment includes property taxes, homeowners insurance, mortgage insurance on some loans, and HOA dues. In Florida, insurance alone can change what a home really costs you. Compare the full payment, not just the rate.
Cash to close is more than the down payment
Closing costs, prepaid taxes and insurance, and the reserves some loans require all add up. See the real cost of an FHA loan for a full breakdown and calculator. Knowing your true cash to close early keeps you from stretching at the last minute. In some cases, seller credits or program options can reduce what you bring to the table.
Buying outside the city?
If you're open to areas on the edges of the metro, a USDA loan can mean no down payment and low fees, as long as your household fits the income limit and your debts are low. See if you fit the USDA box.
Prequalified is a starting point
A quick prequalification gives you a range. A fully reviewed file, with income, assets and credit already checked, makes your offer stronger, because the seller knows your financing is less likely to fall apart. In a competitive market, that can matter as much as price.
File your homestead exemption
After you buy, file by March 1 to lower your property taxes. See the Florida homestead guide.
Plan for the appraisal and the timeline
If the home appraises low, you may need to renegotiate or bring more cash. If the closing date is tight, your lender needs to move fast. Talking through these risks before you write an offer helps you set terms you can actually meet.
Guides for every step of buying
From saving for the down payment to closing day.