What Programs Are Available for First-Time Home Buyers in Florida?
The great news is that there are several programs and products available to first-time buyers that provide counseling, down payment assistance, and even housing repairs for eligible buyers.

Some of the programs available in Florida include, but are not limited to:

HUD (Housing and Urban Development) approved counseling
Down payment and closing cost assistance, housing repairs, and weatherization through a partner of Florida Association of Community Action
Down payment assistance, the State Housing Initiative Program (SHIP), and the Mortgage Credit Certification Program through Florida Housing Finance Corporation
Down payment assistance and housing repairs through some municipal Community Development Block Grant (CDBG) programs (not all programs offer the same services, contact yours for details)
Local agencies use HOME funds to help you purchase and repair a home
Loans and assistance for purchase in rural areas through USDA Rural Development
How Does the First-Time Home Buying Process Work?
You can avoid feeling overwhelmed if you stay organized and patient and just take this one step at a time. There are a lot of steps, but don’t get overwhelmed. Your buying specialist at Fort Myers Mortgage Experts will walk you through the process. To get from dream to reality, some general steps include:

Get your annual free credit report.
Review your finances.
Work with a certified housing counselor.
Choose a quality buying specialist.
Choose a lender.
Get pre-approved for a loan. This lets you know if you are currently eligible and, if so, how much home you can potentially purchase.
Discuss your wants and needs.
Start your house hunt.
Check Comparable Sales Records.
Make an offer.
Negotiate the final offer.
Complete appraisals, inspections, and other tests required.
Run a title search.
Close on your dream home.
Do I Qualify For First-Time Home Buyer Programs?

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