First Time Home Buyer Florida: What You Need to Know

First time home buyer Florida programs are designed to help buyers purchase their first home with confidence — even if the process feels unfamiliar.

If you’re new to homeownership, the right guidance can make buying your first Florida home far less stressful and far more rewarding.

Who Is Considered a First Time Home Buyer in Florida?

You may qualify as a first time home buyer in Florida if:

• You’ve never owned a home
• You haven’t owned a home in the last three years
• You’re purchasing a primary residence

Many buyers qualify without realizing it — even if they’ve owned property in the past.

Home Loan Options for First Time Buyers in Florida

• FHA Loans – Lower down payment and flexible credit guidelines
• VA Loans – $0 down options for eligible veterans and military buyers
• Conventional Loans – Competitive options with as little as 3% down
• Down Payment Assistance – Programs available in some Florida areas

Florida also offers state-supported homebuyer programs. You can review official options and eligibility through Florida Housing’s Homebuyer Programs .

Why First Time Buyers Work With a Mortgage Broker

Buying your first home comes with questions — and that’s expected.

• Clear explanations without jargon
• Guidance on budgeting and monthly payments
• Loan options matched to your situation
• Support from pre-approval through closing

Working with a Florida mortgage broker helps new buyers understand their options before making major decisions.

Meet Your First Time Home Buyer Loan Guide

I’m Sam Gorniak with Atlantic Trust Mortgage.

I help buyers across Florida navigate the mortgage process with clarity, patience, and honest advice.

Learn more about how a first time home buyer Florida can move forward with the right loan strategy.

Common First Time Buyer Questions

How much money do I need to buy my first home?
Many buyers qualify with far less than they expect.

Should I get pre-approved before house hunting?
Yes. Pre-approval strengthens your offer and clarifies your budget.

Is now a good time to buy?
That depends on your goals — and I’ll help you think it through.

You can also explore working with the best mortgage broker in Florida for guidance beyond your first purchase.

Ready to Take the First Step?

If you’re a first time home buyer in Florida, the next step is understanding your options — not committing to a loan.