First Time Home Buyers
in Fort Lauderdale

Residential Mortgage and Loans for First Time Home Buyers

Along with buying your first car, graduating from college, and getting married are milestones most people want to achieve. Another goal that most people share in common is owning a home. People who have been through the process and have already made their dream a reality will reflect on the moment they closed on their first home.

Unfortunately, not many people have the financial resources to completely finance their home out of pocket. Fortunately, there are a number of mortgage solutions offered across the country to help homebuyers purchase their dream home.

These programs include a number of options for first-time homebuyers even if they have low to moderate income levels. In addition to these, there are programs meant to assist first-time home buyers that don’t necessarily have the best credit scores.

FSMG’s First-Time Home Buyer Solutions

Florida State Mortgage Group participates in a number of first-time home buyer programs. We offer various FSMG-originated conventional and conforming residential loans to first-time buyers.

In addition to that, we offer conventional/conforming loans in conjunction with a Florida Mortgage Credit Certificate or MCC. The MCC program grants up to $2,000 of IRSM income tax credit to homeowners for each year they own and occupy a mortgaged property.

For further convenience of our clients, FSMG also offers loans with reduced interest rates and low private mortgage insurance (PMI). This enables first time home buyers to reduce the number of payments they have to make monthly.

In addition to that, FSMG also offers VA loans to qualified veterans and their spouses, including first time home buyers. These loans carry low interest rates, require little to no money in down payment, and have more lenient limitations.

We suggest you speak to one of our loan officers to explore your options as a first time home buyer and find a solution that works right for you.

Frequently Asked Questions

What Our Clients Are Saying

Queenie Sidhu
Queenie Sidhu
02:04 15 Nov 19
A great experience. Steve and FSMG was very professional and helpful throughout the process. Providing the details and comfort to know my loan was on track for a smooth closing. I would recommend everyone that wants an easy and solid process of buying a home and getting financing to go with FSMG.
Hilary Slack
Hilary Slack
06:24 12 Nov 19
Very professional, fast, efficient and honest. Steve explained everything in detail and delivered as it was presented from the beginning.
Castro Sybil
Castro Sybil
01:54 23 Oct 19
Fast, knowledgeable, professional, and ability to get “impossible” things done. Excellent sense of urgency and able to push things through. Very articulate and always available to communicate. Very pleased.
Helena Rhynes
Helena Rhynes
01:23 22 Oct 19
We had an absolutely great experience with Steve during the whole process of purchasing our home and getting mortgage. Steve was very informative on different financial aspects and was always happy to share his knowledge, experience and expertise.
elizabeth mcbride
elizabeth mcbride
01:16 21 Oct 19
The smartest, most helpful and insightful mortgage loan person I’ve ever used. On our first attempt to buy he saved us from disaster. On our second attempt he was finished and ready to close before everyone else! Our loan was a VA so we expected it to take extra time...nope. For our next loan we won’t use anyone else.
albert pike
albert pike
01:37 18 Oct 19
Steve and his team were fantastic throughout the mortgage process. I highly recommend Florida State Mortgage Group.
Judy Brown
Judy Brown
01:00 17 Oct 19
Absolute miracle worker. Thank you Steve! Highly recommended, utmost professional.
Chris Dykes
Chris Dykes
00:55 14 Oct 19
It was a pleasant experience. I would be happy to refer clients when the occasion arises.
Jewel Orlando
Jewel Orlando
01:09 12 Oct 19
If your looking for a highly professional, easy to work with and lightning fast mortgage team, then Florida State Mortgage is for you. I wouldn\'t go anywhere else for my mortgage needs. Hugh B. Davie, Florida.
Diane Day
Diane Day
06:57 11 Oct 19
Steve was the best on the purchase of our new house!! I refinanced with him again twice because I knew he’d get the job done!! Thank you again for all your hard work over the years with us!! Highly recommend Steve!! Jason and Johany Williams. Weston,Fl
Michelle Vantine
Michelle Vantine
17:20 08 Jul 19
I worked with Betty to buy my first house here in South Florida and I could not be happier! She was amazing. She was always available to answer my questions and she was very patient. She was extremely knowledgeable, even getting me approved for a HUGE tax exemption I will receive annually . She always had all the paper work ready on time and explained everything in detail. I could not image a better agent. I'm SO glad we made the decision to work with her. Thanks Betty!
Jarrett Van Tine
Jarrett Van Tine
16:01 08 Jul 19
Betty did an amazing job originating our loan. She is knowledgeable, accessible, and eager to provide the best for her clients. I HIGHLY recommend her!
Jarrett Van Tine
Jarrett Van Tine
16:01 08 Jul 19
Betty did an amazing job originating our loan. She is knowledgeable, accessible, and eager to provide the best for her clients. I HIGHLY recommend her!
Sean Zamora
Sean Zamora
18:28 05 Feb 19
Steve McWilliam was a tremendous help in securing my mortgage a few years ago. He’s also been a great source of knowledge in the time since. I highly recommend him as someone you can trust.
Scott Yankton
Scott Yankton
17:42 04 Feb 19
The smartest, most helpful and insightful mortgage loan person I’ve ever used. On our first attempt to buy he saved us from disaster. On our second attempt he was finished and ready to close before everyone else! Our loan was a VA so we expected it to take extra time...nope. For our next loan we won’t use anyone else.
Jennifer Cane
Jennifer Cane
02:05 23 Aug 18
They actually made obtaining my home loan fun and enjoyable on my part. The process was painless at all I expected it to be. They explained the process well to new buyers (like us) and at the same time keep me in the loop the entire time during the process. They really helped the process go smoothly. Got immediately a perfect home in an easiest and hassle-free way, Thank you so much!
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Florida State Mortgage Group offers first time home buyers conventional loans with a down payment as little as 1%.

Talk to one of our loan officers at (954) 359-3000 to discuss your options or click the button below to get started.

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