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

Patty Britton
Patty Britton
17:48 13 Apr 22
Steve is very professional, knowledgeable, trustworthy, and straight forward. Our family is blessed to have him for our first home buying experience. Steve is amazing, and the knowledge I have gained from him as well as the time he spent with me throughout the entire home buying process, words cannot express the appreciation I have for him. Thank you Steve for everything! It is an honor to be able to give everyone your contact information with confidence. I appreciate you and look forward to always doing business with you. You are truly the best! New Homeowners - Anthony & Patty
James Basile
James Basile
03:11 20 Nov 21
From my first call to Steve Mc William to the second we closed, it was the best service ever. I felt as if I were their only customer. Everything was top notch and professional.
Stephen Brathwaite
Stephen Brathwaite
15:59 19 Nov 21
J C
J C
21:36 13 Nov 21
Mr McWilliam was extremely thorough and informative. He even provided excellent advice on some other non related mortgage questions I had. He listened carefully to my goals and provided me with the best product for my financial situation. I have never met any one so thorough. Thank you.
Crystal Torres
Crystal Torres
14:04 12 Nov 21
angelo cedeno
angelo cedeno
21:26 08 Nov 21
Linda Rosen
Linda Rosen
19:27 18 Jan 21
Steve did a great job on our refi. Thanks for making it happen.
Lana Mihova
Lana Mihova
16:22 13 Feb 20
Stephen McWilliam was an amazing person to deal with. Our deal was pretty complicated on all aspects and he was so professional, he got it done !!! Thank you so much for all the hard work you put into this deal!!!
Erica Bethe Levin
Erica Bethe Levin
16:21 22 Jan 20
Working with Steve and Florida State Mortgage Group was singlehandedly the best and most seamless part of buying our home. I could not recommend them more highly.
Charlie Crusher
Charlie Crusher
14:45 14 Jan 20
Stephen went above and beyond to help me in my situation. Thank You 👍
Brian Mosher
Brian Mosher
15:02 13 Jan 20
Steve did a wonderful job securing a mortgage for me based on the parameters I gave and seeing everything through to completion. No hiccups for me along the way in a process that can be very painful if not managed well.
Shannon Dameron
Shannon Dameron
01:34 12 Jan 20
Steve and the team at Florida State Mortgage Group are exceptional. I was looking for a townhouse for my family when Steve and his team were referred to me. Florida State Mortgage Group showed me I could easily afford a single family home. Steve handled everything from providing a list of homes, securing the home loan, insurance options and closing.I’ve referred Florida State Mortgage Group to friends and family. Each person has experienced the same level of knowledge and quality of service.5 STARS
Florida Guy
Florida Guy
19:08 11 Jan 20
I was very pleased with Steve and the ease of the process. No hiccups or surprises. Highly recommended for mortgage services.
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!
Justin Pyka
Justin Pyka
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!
Ganel Appolon
Ganel Appolon
00:59 26 Feb 19
you guys are doing a great job keep it up.
Mike Heller
Mike Heller
17:15 20 Feb 19
Natalie Rodriguez
Natalie Rodriguez
20:59 12 Feb 19
We had a great experience with Florida State Mortgage Group. Would recommend them and will use them again in the future.
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.
Mike McGraw
Mike McGraw
03:25 03 Feb 19
Knowledgeable, Professional and results oriented!!
Hugh Bruder
Hugh Bruder
19:22 02 Feb 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
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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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