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The New House

Are you looking to buy a home?

Florida Housing offers a Homebuyer Program that offers 30-year fixed rate first mortgage loans to first time homebuyers through participating lenders and lending institutions throughout the State of Florida. Eligible borrowers may also participate in one of Florida Housing’s second mortgage programs to assist borrowers with down payment assistance and closing costs.

Search for a First Time Home Buyer Education Course here. 

There are some requirements in order to qualify for our Homebuyer Loan Program:

  • Minimum Credit Score of 640.

  • Must work with an approved, participating, Program Lender (click here to find an approved loan officer).

  • "Approved" Home Buyer Education is required to be completed.

  • Your purchase price must be below the limits for the county in which you purchase.

  • Your income must be below the limits for the county in which you purchase.

  • You must meet the IRS definition of a first-time homebuyer which means, you cannot have owned AND occupied your primary residence for the last three years prior to purchase.

Florida Hometown Heroes

The Florida Hometown Heroes Housing Program makes homeownership affordable for eligible frontline community workers such as law enforcement officers, firefighters, educators, healthcare professionals, childcare employees, and active military or veterans.

Click here for more information.

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Dare To Own The Dream

The City of Tampa offers down payment assistance loans to income eligible home buyers of property within the City limits of Tampa. The loan is in second position behind primary financing from a mortgage lender and is typically known as a “silent second” because of the 0% rate and $0 monthly payment. The Deferred Payment Loan (DPL) can remain “silent” as long as the property continues to be the owner’s primary residence and owner occupied. The program provides up to $40,000.00 to assist income eligible first time homebuyers to achieve the dream of homeownership.

Click here for more information.

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