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mortgages Buying a Home - Florida Real Estate

Buying a Home - Florida mortgages, down payment assistance and first time home buyer grants for buying Florida real estate.

Research the available Florida mortgages and home loan programs for buying Florida real estate.

Bookmark this page for your home buying reference and email this page to the next person you know who will be buying Florida real estate. 


Government grants for buying a home

Here are some links for government grants for buying a home in Florida.

Special Programs for First Time Home Buyers Available Statewide

Florida Housing Finance Corporation
(888) 447-2977
First time home buyer programs: lower interest rate loans and purchase assistance

Programs/Organizations by County

Alachua County

Gainsville

James Hencin, Block Grant Manager
Post Office Box 490-22
Gainesville, FL 32602
(352) 334-5031
FAX: (352) 334-5031
Housing rehabilitation
Down payment/closing cost assistance
New home construction/financing
Housing counseling

Bay County

Panama City

Anthony Mitchell, Director
Community Development Department
2629 W. 10th Street
Panama City, FL. 32401-1408
(850) 872-7230
FAX: (850) 747-5939
Housing rehabilitation
Down payment/closing cost assistance

Allvision Solutions
121 W. 23rd St.
Panama City, FL. 32405-4504
(850) 784-6301
FAX: (850) 784-2980
Housing counseling

Robert Evans
Community Development and Planning
2912 Transmitter Road, Suite B
Hiland Park, FL. 32404
(850) 872-1601
FAX: (850) 872-1602
Down payment/closing cost assistance
Housing rehabilitation

Baker County

Rebecca Lauramore
SHIP Administrator
55 N. 3rd Street
Mcclenny, FL. 32063
(904) 259-3613
FAX: (904) 259-7610
Emergency repairs
Down payment/closing cost assistance
New home construction for very low income

Bradford County

Angela Macey
Community Development Department
925 N. Temple Avenue
Suite D
Starke, FL. 32091
(904) 966-6382
FAX: (904) 966-6384
Housing rehabilitation
Down payment/closing cost assistance
Minor repair/weatherization
Housing counseling

Brevard County

Brevard County Housing & Community Development Department
(321) 633-2076
First Time Home Buyer Program (down payment assistance), replacement, rehab & repair deferred loan programs, weatherization program

City of Cocoa
Community Development Housing
& Neighborhood Services
(321) 639-7564
Down payment assistance

City of Melbourne

For home buyer assistance: Community Housing Initiative:
(321) 253-0053
For other County housing programs: (321) 674-5734
Down payment assistance,
home buyer education

City of Palm Bay
Administered by Community
Housing Initiative
(321) 253-0053
Down payment assistance; home buyer education

Broward County

Broward County Community Development
(954) 765-4910
Provides home buyer assistance, home buyer counseling and home repair assistance

Housing Finance Authority of Broward County
(954) 765-4910
Provides home buyer assistance, home buyer counseling and home repair assistance

Minority Business Council, Inc.
(954) 942-1042
Home buyer assistance

New Visions Community Development Corp
(954) 768-0920
Home buyers' club home buyer education

Coral Springs
(954) 344-1114
Home buyer down payment assistance

Hollywood
(954) 921-3383
Housing Partnership Program, no interest 2nd mortgage

Miramar, Pembroke Pines, Plantation
& Tamarac
(954) 431-7866
Minor home repair program, home buyer programs

Pompano Beach
(954) 786-4641
Home buyer programs

Calhoun County

Dowling Parrish
Building Department
20859 Central Ave. E., Room 309
Blountsville, FL. 32424
(850) 674-8046
FAX: (850) 674-5553
Homeowner rehabilitation  

Allvista Solutions
425 E. Central Ave. Rm.
Blountsville, FL. 32424
(850) 674-2678
FAX: (850) 432-5078
Housing counseling

Clay County

Tom Price, Coordinator
SHIP Program
P.O. Box 1366
Green Cove Springs, FL. 32043
(904) 278-4700
FAX: (904) 278-4786
Housing rehabilitation
Down payment/closing cost assistance
Housing counseling

Allvision Solutions
1409 Kingsley Drive Bldg 4/ Suite B
Orange Park, FL. 32073-6679
(904) 269-6679
FAX: (904) 269-4111
Housing counseling

Charlotte County

Charlotte County
(941) 833-6500
Provides down payment assistance, home owner rehab and housing construction
http://www.charlottecountyfl.com/humanservices/humanservices.htm

Housing Corp. of Charlotte County
(941) 255-9454
Down payment assistance, homeowner rehab

Collier County Department of Housing and Urban
(941) 403-2330
SHIP & CDBG Down Payment & Closing Cost Assistance, Impact Fee Relief Program & Residential Rehabilitation Program for homeowners, Affordable Housing Density Bonus Program
http://www.colliergov.net/hui/Default.htm

Columbia County

Saunders Tyre
Suwanee River Economic Council, Inc
P.O. Box 70
Live Oak, FL. 32064
(386) 362-4115, ext. 240
FAX: (386) 362-4078
Down payment/closing cost assistance
Emergency repairs

Dixie County

Dick Edwards
Community Programs Consulting, Inc.
322 NW Houston Ave.
Live Oak, FL. 32064
(800) 229-4210
FAX: (389) 364-4828
Housing rehabilitation

Duval County/Jacksonville

City of Jacksonville
Darrell Griffin, Chief
Housing Services
128 E. Forsyth Street.
Florida Theatre Bld., Suite 500
Jacksonville, FL. 32202
(904) 630-7000
FAX: (904) 630-4626
Housing rehabilitation
Down payment/closing cost assistance
Housing counseling
New home construction financing

Jacksonville Housing Partnership
Carolyn Etlinger, Director
4401 Emerson Street
Jacksonville, FL. 32207
(904) 398-4424
FAX: (904) 398-0828
Housing rehabilitation
Down payment assistance

Duval County Housing Finance Authority
231 E. Forsyth Street, Suite 430
Jacksonville, FL. 32202
(904) 630-2092
FAX: (904) 630-2937
Down payment assistance
Housing mortgage assistance

Neighborhood Assistance Corp. of America
5290-4 Norwood Avenue
(904) 725-8700
Housing counseling

Catholic Charities
134 E. Church Street Suite 2
Jacksonville, Fl. 32202-3130
(904) 354-4846
FAX: (904) 354-4718
Housing counseling services

Allvista Solutions
1639 Atlantic Blvd.
Jacksonville, FL. 32207-3346
(904) 396-4846
FAX: (904) 398-6649
Housing counseling services

Jacksonville Urban League
903 W. Union Street
Jacksonville, FL. 32204-1161
(904) 356-8336
FAX: (904) 356-8369
Housing counseling

Oakland Trace CDC
1025 Jessie Street
Jacksonville, FL. 32206
(904) 354-0776
FAX: (904) 354-0630
Housing counseling
New housing construction/financing (infill)

Escambia County

City of Pensacola
Pat Hubbard, Director
Community Development Department
P.O. Box 12910
Pensacola, FL 32521
(850) 435-1685
FAX: (850) 595-1280
Down payment/closing cost assistance
Housing rehabilitation

Allvision Solutions
302 North Barcelona St.
Pensacola, FL. 32501
(850) 595-6234
FAX: (850) 595-6264
Housing counseling

Randy Wilkerson, Director
Neighborhood Enterprise Foundation, Inc.
P.O. Box 18178
Pensacola, FL. 32523
(850) 458-0465
FAX: (850) 458-0464
Down payment/closing cost assistance
Housing rehabilitation

Allvision Solutions
Pensacola Naval Air Station
FSC Bldg. 625
Pensacola, FL. 32508
(850) 452-5101
FAX: (850) 432-5078
Housing counseling

Flagler County

Gina Lemon, SHIP Coordinator
Planning and Zoning Department
1200 E. Moody Blvd., #2
Bunnell, FL. 32110
(386) 437-7484
FAX: (386) 437-7484
Replacement Housing
Down payment/closing cost assistance
Housing counseling

Franklin County

Michael Maron, SHIP Coordinator
Franklin County Senior Citizen Center
P.O.Box 814
(850) 697-8879
FAX: (850) 697-9799
Down payment/closing cost assistance
Housing rehabilitation

Gadsden County

Phyllis Moore, Administrator
Community Development Department
P.O.Box 1799
Quincey, FL. 32351
(850) 875-8659
FAX: (850) 875-8899
Housing counseling
Down payment/closing cost assistance

Gilchrist County

Dennis Radice
Clerk of Courts Office
P.O. Box 37
Trenton, FL. 32693
(352) 463-4020
FAX: (352) 463-3166
Down payment/closing cost assistance
New construction/existing housing purchase financing
Housing rehabilitation

Gulf County

Bo Williams, SHIP Administrator
Veterans Affairs
1000 Cecil G. Costin, Sr. Blvd.
Port St. Joe, FL. 32456-1648
(850) 229-6125
FAX: (850) 229-7180
Down payment/closing cost assistance
Housing rehabilitation

Hamilton County

Jackie Toner
SHIP Administrator
207 NE 1st Street
Jasper, FL. 32052
(386) 792-0507
FAX: (386) 792-6446
Housing rehabilitation
Down payment/closing cost assistance
Replacement housing

Holmes County

Juanita Scott
West Florida Regional Planning Council
P.O. Box 486
Pensacola, FL. 32593-0486
(800) 226-8914, ext. 210
FAX: (850) 595-8967
Down payment/closing cost assistance
Housing rehabilitation

Indian River County

Indian River County Community Development Department
(772) 567-8000,
ext. 1454
SHIP Program for housing assistance w/home buyer educational workshops
http://www.ircgov.com/Departments/com_dev/planning/plan_div.htm

Jackson County

Janet O-Pry, Director
Jackson County Grants Department
4487 Lafayette Street
Marianna, FL. 32446
(850) 482-9083
FAX: (850) 482-9846
Housing counseling
Down payment/closing cost assistance
Housing rehabilitation/repairs

Allvista Solutions
2878 Green St. Suite 209
Marianna, FL. 32446
(850) 526-1221
FAX: (850) 432-5078
Housing counseling

Jefferson County

Cynelle Jackson, Director
Grant Programs
P.O.Box 536
Monticello, FL. 32345
(850) 342-0182
FAX: (850) 342-0177
Housing counseling
Down payment/closing cost assistance
Housing rehabilitation/repairs

Lake County

Lake County Housing and Community Development
(352) 343-1864
Home purchase and repair assistance

Homes in Partnership
(352) 383-7300 or
(800) 772-8403
Self-help housing program: new construction with sweat equity, reduced-interest mortgages
http://www.hippage.com

Orange County Housing Finance Authority
(407) 894-0014
Homeownership Programs (reduced interest rate mortgages) available in Orange, Osceola, Seminole, Lake Counties
http://ochfa.com

Lafayette County

Saunders Tyre
Suwanee River Economic Council, Inc.
P.O. Box 70
Live Oak, FL. 32064
(386) 362-4115, ext. 240
FAX: (386) 362-4078
Down payment/closing cost assistance
Emergency repairs
Housing rehabilitation

Lee County

Lee County Institutional Structure - Housing - Frameworką
Lee Co. Department of Human Services
(941) 652-7930
CDBG, HOME, (ESG), fair housing
HOPE 3 (revolving fund) housing
HOPWA HIV/AIDS housing
SHP / S+C homeless housing
SHIP housing
WAP, LEHRP Weatherization, home repair
http://www.lee-county.com

LCHDC, DIAD, CHR Housing Dev. Corps
(941) 656-2721
(941) 334-2220
(941) 472-1189
CDBG, HOME, SHIP housing

LEEDCO, Bonita Springs Area, Cape Coral, Partnership in Housing- (CHDO)
(941) 337-2300
(941) 495-7100
(941) 574-0401
CDBG, HOME SHIP housing

Lee County Office of Equal Opportunity
(941) 335-2179
Fair Housing
http://www.lee-county.com

Lee County Dept. of Community Dev.
(941) 479-8585
SHIP (Florida Housing Finance Corp)
Density Bonus Program, affordable housing
http://www.lee-county.com

Fort Myers, Cape Coral city departments
Email: H_gadams@earthlink.com
(941) 332-6884
(941) 574-0401
CDBG, HOME housing
SHIP (Florida Housing Finance Corp)
http://www.capecoral.net

Fort Myers Housing Authority
Email: fmna1960@cyberstreet.com
(941) 332-6622
Public Housing
http://www.ftmyershousing.com

 

Habitat for Humanity
Email: administration@habitat4humanity.org
(941) 652-0434
Low-income housing
http://www.habitat4humanity.org

Leon County
Shelly Murphy, Director
Housing and Human Services
918 Railroad Avenue
Tallahassee, FL. 32310
(850) 488-7790
FAX: (850) 922-4749
Housing counseling
Down payment/closing cost assistance
Housing rehabilitation
Emergency housing repairs
Housing reconstruction/replacement

City of Tallahassee

Martha Bentley, Director
Housing Assistance Programs
Neighborhood and Community Services
300 South Adams Street
Tallahassee, FL. 32301
(850) 891-6540
Housing counseling
Down payment /closing cost assistance
Housing rehabilitation/repairs

Tallahassee Lenders Consortium
1114 East Tennessee Street
Tallahassee, FL. 32308
(850) 222-6609
FAX: (850) 222-6687
Housing counseling

Tallahassee Urban League
Dr. Ernest Ferrell, President
923 Old Bainbridge Road
Tallahassee, FL. 32303
(850) 222-6111
FAX: (850) 561-8390
Housing counseling

Allvision Solutions
1648 Metropolitan Circle Suite 2
Tallahassee, FL. 32308
(850) 878-0975
FAX: (850) 878-2716
Housing conseling

Housing Rehabilitation and Development, Inc.
Bill Geoff, CEO
1010 N. Macomb St. #116
Tallahassee, FL. 32303
(850) 513-9100
FAX: (850) 878-0894
Housing rehabilitation
Emergency repairs
New housing construction/financing

Housing Rehabilitation and Development, Inc.
Bill Geoff, CEO
1010 N. Macomb St. #116
Tallahassee, FL. 32303
(850) 513-9100
FAX: (850) 878-0894
Housing rehabilitation
Emergency repairs
New housing construction/financing

Levy County
Carol McQueen
Clerk of Courts Office
P.O.Box 610
Bronson, FL. 32621
(352) 486-5268
FAX: (352) 486-5166
Down payment/closing cost assistance
Housing rehabilitation
Minor emergency repairs

Liberty County
Ricky Revell, Director
Grants Department
P.O.Box 399
Bristol, FL. 32321
(850) 643-2692
Housing rehabilitation/repairs

Madison County
Saunders Tyre
Suwanee River Economic Council
P.O.Box 70
Live Oak, FL. 32064
(386) 364-5799, ext. 244
FAX: (386) 362-4115
Housing counseling
Down payment/closing cost assistance
Home rehabilitation
Emergency repairs

Marion County
OCALA
Bud Scharf
Community Programs Manager
P.O.Box 1270
Ocala, FL. 34478-1270
(352) 629-8322
FAX: (352) 629-8242
Housing rehabilitation

Allvision Solutions
1539 NE 22nd Ave.
Ocala, FL. 34478
(352) 867-1867
FAX: (352) 867-8490
Housing counseling

Ocala Housing Authority
233 SW 3rd Street
Ocala, FL. 34478
(352) 369-2636
FAX: (352) 369-2642
Housing counseling

Cheryl Amey
CDBG Department
1025-A S.W. 1st Avenue
Ocala, FL. 34474
(352) 620-3962
Housing rehabilitation

Ocala Housing Authority
233 SW 3rd Street
Ocala, FL. 34478
(352) 369-2636
FAX: (352) 369-2642
Housing counseling

Miami-Dade County

Miami-Dade Housing Agency
(305) 250-5238
Documentary Surtax ProgramSecond Mortgage
http://www.co.miami-dade.fl.us/housing/

Miami-Dade Housing Agency
(305) 250-5238
Bank Partnership Program
http://www.co.miami-dade.fl.us/housing/home_buying_faq.HTM

Housing Finance Authority of Miami-Dade County
(305) 372-7990
"Welcome to Home Ownership" Loan
http://www.co.miami-dade.fl.us/hfa/hb_home buyers.htm

Miami-Dade Affordable Housing Foundation
(305) 373-9750
Home buyers Club
http://www.co.miami-dade.fl.us/hfa/Foundation/home buyers_club.htm

Housing Finance Authority/Affordable Housing Foundation
(305) 373-9750
Home Savers Program (foreclosure prevention due to economic downturn)

Metro-Miami Action Plan
(305) 372-7600,
ext. 231 or 236
Home Ownership Assistance Program

City of Hialeah
(305) 883-8039
First Time Home buyers Program
http://www.ci.hialeah.fl.us/grants/programs/

City of Miami Beach
(305) 673-7260
Home Buyer Assistance Program, Owner Occupied Rehabilitation Program
http://www.ci.miami-beach.fl.us/

Miami Beach Community Development Corporation
Juan Rojas,
(305) 538-0090
Home Buyer Assistance Program, Housing Counseling and Home buyer Education
http://miamibeachcdc.org/assistance.html

Monroe County

Monroe County Housing Authority
Rick Casey,
(305) 292-1221, ext. 256
Home buyer Assistance Program

Bahama Conch Community Land Trust
(305) 295-7337
Home buyer Assistance Program

Nassau County

Sheri Kelsey, SHIP Administrator
Northeast Florida Regional Planning Council
9143 Phillips Highway, Suite 350
Jacksonville, FL. 32256
(904) 279-0880
FAX: (904) 363-6356
Housing rehabilitation
Down payment/closing cost assistance

Okaloosa County

Ft. Walton Beach
Mary Cox, CDBG Planner
Community Development Department
P.O.Box 4009
Fort Walton Beach, FL. 32549
(850) 833-9651
FAX: (850) 833-9640
Down payment/closing cost assistance
Housing rehabilitation

Allvista Solutions
244 Racetrack Rd. NE
Fort Walton Beach, FL. 32547-1866
(850) 314-9888
FAX: (850) 314-9891
Housing counseling

Okeechobee County

Okeechobee County
Board of County Commissioners
(863) 763-3084
SHIP Program (down payment/closing costs assistance; home buyer education)

Orange County

Orange County Housing & Community Development
(407) 836-5150
Down payment assistance;
education/counseling; rehabilitation
http://orangecountyfl.net/Dept/growth/housing/Programs/affordab.htm

Homes in Partnership
(407) 886-2451
Self-help housing program: new construction with sweat equity, reduced-interest mortgages
http://www.hippage.com

City of Orlando
Housing & Community Development
(407) 246-2708
Down payment assistance
http://www.cityoforlando.net/planning/housingandcommunitydev/default.htm

Orange County Housing Finance Authority
(407) 894-0014
Homeownership Programs (reduced interest rate mortgages) available in Orange, Osceola, Seminole, Lake Counties
http://ochfa.com

Osceola County

Osceola County Board of County Commissioners
(407) 343-3103
Housing Assistance Program (down payment/closing costs assistance); housing rehab.
http://www.osceola.org/index.cfm/sDepartment/Housing%20Office

Palm Beach County

City of Boca Raton
(561) 393-7755
Contact: Mary Haggerty
Forgivable second mortgage up to $25,000 for down payment and closing costs, housing rehabilitation program offers $25,000 to low-income homeowners for repairs, occupancy required
http://www.ci.boca-raton.fl.us/services/directory/h.cfm

Boynton Beach
(561) 375-6066
Affordable housing opportunities for very low-, low- and moderate income families

Delray Beach
(561) 243-7280
Affordable housing opportunities for very low-, low- and moderate income families

West Palm Beach
(561) 835-7060
Affordable housing opportunities for very low-, low- and moderate income families

Palm Beach County
(561) 233-3601
Variety of SHIP & CDBG programs

Centro Campesino Farm Worker Center, Inc.
(561) 996-3988
First-time home buyer program, home buyer education

Community Financing Consortium, Inc.
(561) 833-8503
Below market rate financing for low to moderate income households or individuals

Delray Beach CDC
(561) 266-9840
Home buyer & credit counseling, second mortgage subsidy, pre-qualifications, acquisition/rehab of existing properties

Fair Housing Center of the Greater Palm Beaches, Inc.
(561) 533-8717
Fair housing & private enforcement, legal support, education & outreach

Hispanic Human Resources Council/Su Casa CDC
(561) 641-7400
First-time home buyer assistance, home buyer education ($25.00 fee), pre-school child care

Lake Worth CDC
(561) 582-5536
Credit counseling, first-time home buyer education, business education

Northwest Riviera Beach CRC
(561) 845-1147
First-time home buyer opportunities, new & rehab housing, educational opportunities

Urban League of PBC, Inc.
(561) 833-1461
Housing counseling, home buyer education

Putnam County

Jeff Alexander, SHIP Coordinator
Northeast Florida Regional Planning Council
9143 Phillips Highway, Suite 350
Jacksonville, FL. 32256
(904) 279-0880
FAX: (904) 363-6356
Housing rehabilitation
Down payment/closing cost assistance

Santa Rosa County

Juanita Scott
West Florida Regional Planning Council
P.O.Box 486
Pensacola, FL. 32593-0486
(800) 226-8914, ext. 210
Down payment/closing cost assistance
Housing rehabilitation

Seminole County

Seminole County Community Development
(470) 665-7384
SHIP Program: down payment/closing costs assistance, home repair

Homes in Partnership
(407) 886-2451 or
(800) 772-8403
Self-help housing program: new construction with sweat equity, reduced-interest mortgages
http://www.hippage.com

Orange County Housing Finance Authority
(407) 894-0014
Homeownership Programs (reduced interest rate mortgages) available in Orange, Osceola, Seminole, Lake Counties
http://ochfa.com

St. John's County

Dana Hunt, SHIP Coordinator
Housing and Community Services
1955 U.S. 1 South, Suite 600
(904) 823-2626
FAX: (904) 823-2481
Housing rehabilitation
Down payment/closing cost assistance
Water/sewer tap-in fees
Habitat programs

Allvision Solutions
2535 US 1 South
St. Augustine, FL. 32086
(904) 396-4846
Housing counseling

St. Lucie County

St. Lucie County Department of Community Services
(772) 465-1290
SHIP Program: down payment/closing costs assistance; Homeownership Workshops; home repairs
http://co.st-lucie.fl.us/community/ship.htm

City of Ft. Pierce
Community Development Division
(772) 460-2200
SHIP Program

City of Port St. Lucie
Human Services
(772) 871-5220
SHIP Program

Suwanee County

Saunders Tyre,
Suwanee River Economic Council, Inc.
P.O.Box 70
Live Oak, FL. 32064
(386) 362-4115, ext. 240
FAX: (386) 362-4078
Down payment/closing cost assistance
Emergency repairs

Taylor County

Melody Cox, Director
Grants Department
201 East Green Street
Perry, FL. 32347
(850) 838-3500
FAX: (850) 838-3501
Down payment/closing cost assistance
Housing rehabilitation

Union County

Frances Terry, SHIP Administrator
Suwanee River Economic Council
P.O.Box 70
Live Oak, FL. 32064
(386) 362-4115
FAX: (386) 362-4078
Housing counseling
Down payment/closing cost assistance
Housing rehabilitation
Emergency repairs

Volusia County

Volusia County Housing
(386) 736-5955
SHIP Program: down payment/closing costs assistance; home buyer education
http://volusia.org/community_assistance/housing.htm

City of Daytona Beach
(386) 671-5805
Down Payment Assistance

Wakulla County

Vicky Smith, Director
Grants/SHIP Programs
P.O.Box 849
Crawfordville, FL. 32326
(850) 926-7977
FAX: (850) 926-7311
Housing counseling
Down payment/closing cost assistance
Housing rehabilitation/repairs

Walton County

Ken Little, Director
Citizen Services
P.O.Box 486
Pensacola, FL. 32593-0486
(850) 892-8530
FAX: (850) 595-8967
Down payment/closing cost assistance
Major/minor housing rehabilitation
Replacement housing
Emergency repairs

Allvista Solutions
11-B East Nelson
DeFuniak Springs, FL. 32433
(850) 892-5234
FAX: (850) 432-5078
Housing counseling

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Down payment assistance 

Below are down payment assistance programs that may be used to buy a home in Florida.

HART - down payment assistance program allows you to buy a home with no money down.

Nehemiah - down payment assistance program for buying a home with no money down.

Neighborhood gold - this is another down payment assistance program that allows you to buy a home with no money down.

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Bad credit loans for buying a home or refinancing.

There are many mortgage lenders who specialized in bad credit loans for buying a home in Florida or refinancing. Use the link below to complete a form from our partner LendingTree and receive offers from lenders who maybe able assist you.

Bad Credit Mortgage Loans  - these types of mortgages are for those individuals  with the following types of issues:

  • bankruptcy in the last 2 years

  • foreclosure in the last 3 years

  • low credit scores below 620

(not sure what your credit score is, get a Free Credit score)

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Mortgages and Home Loans

These website can assist your with obtaining mortgages for buying a home in Florida.

FHA loans - government insured mortgages that allow you to buy a home with only 3% down payment.

VA mortgage loans - if you are a veteran, you may buy a home with no money down.

Conventional Loans - any mortgage loan that requires 5% down payment and is less than $417,000 for a single family home.

Jumbo Loans - any mortgages where the loan amount is higher than $417,000 for a single family home.

Mortgage calculators - this site has information regarding fannie mae and freddie mac conventional loans and loan calculators.

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Mortgage Calculator

Use this mortgage calculator to calculate the monthly mortgage payment based on the required loan amount, current mortgage rates, and loan term of various types of mortgages you research on this page.

Following are instructions to calculate a mortgage for buying a home:

  1. Subtract your estimated down payment from the price of the home you wish to buy and enter the value in "Loan Amount" (Remember that if the down payment is less than 20% of the sale price you will have the added expense of Mortgage Insurance which is not figured into this calculation.)
  2. Estimate Annual Property Tax and Homeowners Insurance and enter these values.
  3. Each time you change a value hit "Calculate Now" to see what the effect is. 
Put Inputs Here

Years: 

Interest: 

Loan Amount:

Annual Tax:

Annual Insurance:

Results

Monthly Principle + Interest

Monthly Tax

Monthly Insurance

Total Payment

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Florida Real Estate of Homes for Sale

Now that you understand the home buying process and have been pre-approved for a mortgage loan get started searching  Florida real estate of homes for sale.

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You will get free unlimited access to search Florida real estate listings and as an added benefit for signing up you will receive all of the free home buying guides via email. If you feel that this site is beneficial, please email this page to the next person you know that may be thinking of buying a home.

 

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