1.     First-Time Homebuyer Program is an affordable 30-year fixed, low-interest rate mortgage loan for first-time homebuyers who prove they are low-to-moderate income families and individuals. To qualify for this program, you have to meet income and purchase price limits and reach a minimum FICO credit score of 640.

First-Time Homebuyer Program offers you a down payment and closing costs assistance program which helps you reduce your out of pocket expense. The first-time homebuyer requirement is waived if you are purchasing your home in a federally designated targeted area or if you are a qualified veteran.

First-Time Homebuyer Program requires that you be a legal resident of the US, have over 18 and buy your primary residence in the State of Florida.

First-Time Homebuyer Program allows you to insure your loan through the conventional loan, FHA and RD. 

First-Time Homebuyer Program requires you complete a pre-closing homebuyer education and earn a certification and the necessary knowledge as a homebuyer. The course is available both for in-person and online classes. You are also advised to contact a specialized lender who will assist you with any questions you may have and guide you through the application and buying process.

 

 

2.     Local SHIP Program is an affordable down payment and closing cost assistance loan designed for low-to-moderate income borrowers. To become an eligible borrower, you have to meet income and purchase price limits (not to exceed 30 % of the area median income limits). 

Local SHIP Program allows emergency repairs, building new constructions, rehabilitation works, impact fees, construction and gap financing or mortgage buy-downs. You are also allowed to purchase acquisition of property for affordable housing, matching dollars for federal housing grants and programs, and homeownership counseling.

Local SHIP Program requires that you be a legal resident of the US, have over 18 and buy your primary residence in the State of Florida.

Local SHIP Program allows you to insure your loan through the conventional loan, FHA and RD. 

Local SHIP Program requires you complete a pre-closing homebuyer education and earn a certification and the necessary knowledge as a homebuyer. The course is available both for in-person and online classes. You are also advised to contact a specialized lender who will assist you with any questions you may have and guide you through the application and buying process.

 

3.     Florida Housing Mortgage Credit Certificate (MCC) Program is a loan that helps first-time homebuyers save money each year. You have to qualify for the program, to be able to claim up to $2,000 each year as a tax credit on the mortgage interest paid.

Florida Housing Mortgage Credit Certificate Program is a dollar-for-dollar reduction of your income tax liability. You are allowed to save up to 50 % of the mortgage interest on your first mortgage, reducing the amount of federal taxes you owe. The remain 50 % is still eligible for the home mortgage interest deduction on your federal tax return.

Florida Housing Mortgage Credit Certificate Program requires you live in your home as your primary residence and meet income and purchase price limits.

Florida Housing Mortgage Credit Certificate Program allows you to take the credit even if you are not a first-time homebuyer, if you buy in a targeted area or are a qualified veteran.

Florida Housing Mortgage Credit Certificate Program requires you complete a pre-closing homebuyer education and earn a certification and the necessary knowledge as a homebuyer. The course is available both for in-person and online classes. You are also advised to contact a specialized lender who will assist you with any questions you may have and guide you through the application and buying process.

 

 

First-Time Homebuyer Program

Local SHIP Program

Florida Housing Mortgage Credit Certificate Program