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    Mortgage Resources

    First-Time Homebuyer Resources

    Step-by-step guides for Florida first-time homebuyers: readiness, preapproval, down payment assistance, offer strategy, and closing day preparation.

    Preapproval vs. prequalificationDown payment assistanceBudget vs. max approvalSeller creditsOffer strategyClosing costs

    Mortgage Credit Scores Are Changing in 2026: What Florida Homebuyers Need to Know

    Mortgage credit scoring is changing in 2026. Learn how VantageScore 4.0, FICO 10T and Classic FICO may affect Florida homebuyers and mortgage qualification.

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    Florida Hometown Heroes 2026: Over $25 Million Still Available — Who Qualifies Now?

    Florida Hometown Heroes 2026 still has more than $25 million available. See who qualifies, how the 5% assistance works, current South Florida limits, and important September rule updates.

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    Can You Buy a Florida Home Before Starting a New Job? Fannie Mae's 2026 Offer-Letter Mortgage Rules

    Some borrowers can qualify for a conventional mortgage using an accepted employment offer before their first paycheck. Learn Fannie Mae's October 2026 offer-letter rules, eligible start dates, reserve requirements and what Florida buyers should check.

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    Draft examples (not published)

    DRAFT

    [DRAFT] First-Time Homebuyer Checklist

    A draft outline of the steps first-time Florida buyers may consider before applying. Awaiting compliance review before publishing.

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    This is not a commitment to lend. All loans are subject to credit approval, property approval, program guidelines, and applicable terms. Programs, rates, terms, and conditions are subject to change without notice. Not all applicants will qualify. Equal Housing Opportunity.

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