Licensed in the State of Florida


First Time Home Buyer

First Time Home Buyer 


As a first time home buyer, here's what actually happens. A home has been placed on the market for which the seller has established an asking price as well as other terms. In effect, this is an offer. At this point, you have three choices:

(1) accept the seller's offer and create a contract

(2) reject it and not make an offer

(3) suggest different terms and make a counter-offer.

If you choose this last option, the seller may accept, reject or make a counter-offer.

There's no doubt that choosing a home is a big decision and you want to do it right.

Pre-Approval

In today's mortgage market getting pre-approved for a mortgage before you start looking for a home is a great idea.

As a first time home buyer you want to be be sure you will be approved for a mortgage before you find a home and then find out you can't get a mortgage.

Getting pre approved should be like applying for a mortgage. Your loan application should be submitted to Fannie Mae or Freddie Mac electronically. (Leaving out the address of the property.)

Once you have been approved electronically you will need to have a Uniform Residential Loan Application prepared and sent to you. After reviewing the application you will sign it and send it back to your lender.

What documentation will I need?

  • W2's for the past 2 years
  • Current pay stubs for the past month
  • Bank statements for last 2 months for each active account with sufficient reserves (all pages)
  • Latest retirement statement for each active account (all pages)
  • Residence addresses for past 2 years (if you reside at your current address for less than 2 years)
  • Clear copy of Driver’s License
  • Clear copy of SS card
  • Personal tax returns for the past 2 years, current income statement & balance sheet for business (self-employed only)

Once your application and documents have been received your application will be submitted to underwriting. Normally in a few days you will have your loan approval or the underwriter will ask for any documents needed to approve your loan.

Now all you need is to find your home!

Loan Process

If you found a home you want to buy or are thinking of buying a home follow the steps above and you will be on your way to buying your first home.

Once you have found a home and have signed a sales contract the loan process becomes real easy. You will need to submit the sales contract and depending how long ago you were pre-approved you will only need updated pay stubs and updated bank statements. That's it!

Get Approved

Simply fill out our application..

HUD homes for sale $100 down payment in Florida.



Apply Now!

Call us 888.958.5382


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We look forward to working with you.




Minimum Credit Score Needed

to Buy a Home


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Call 888.958.5382

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FHA loan

Requires a minimum credit score of 500 to buy a home

FHA minimum

credit score 500


VA loan

Requires a minimum credit score of 500 to buy a home

VA minimum

credit score 500


Fannie Mae

Requires a minimum credit score of 620 to buy a home

Fannie Mae minimum

credit score 620


Freddie Mac

Requires a minimum credit score of 620 to buy a home

Freddie Mac minimum

credit score 620


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888-958-5382


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