First-Time Home Buyers
Your first home doesn't have to be overwhelming.
I specialize in walking first-time buyers through every step — from understanding your budget to getting the keys.
Common Questions From First-Time Buyers
How much do I need for a down payment in Florida?
It depends on the loan type. FHA loans allow as little as 3.5% down, VA and USDA loans can offer 0% down for eligible buyers, and conventional loans often start around 5%. Down payment assistance programs may reduce this further.
What credit score do I need to buy a home?
Most conventional loans require a minimum credit score around 620, while FHA loans can accept scores as low as 580 with 3.5% down. A lender can give you an exact answer based on your full financial picture.
How long does it take to buy a home?
From pre-approval to closing, most transactions take 30 to 45 days once you're under contract, though the home search itself can take anywhere from a few weeks to a few months.
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