First Time Home Buyers


first-time-home-buyer-pensacolaWe make home buying easy for our first time home buyers.  Below is an overview of our programs offered.

FHA Home Loans – All you need is a 3.5% down payment for this program.  If you do not have the down payment, then you may qualify for assistance using the SHIP program.  We will walk you through the process and many clients have received their down payment and closing cost assistance through SHIP and purchased their new home with very little of their own money.  Call for details.

VA Home Loans – If you are veteran you may qualify for 100% financing through the VA loan program.  Please call for details.

Rural Housing Loans – Depending on the location of the property, you may qualify for a home loan through the USDA Rural Housing program up to 100% of the purchase price.  The minimum credit score requirement is 620.

$8,000 Tax Credit – First Time home buyers can now qualify for an $8,000 tax credit if they close on a home this year.  Call for details.