First-Time Home Buyer Programs in Florida
Hometown Heroes, FL Assist, USDA, FHA and VA — every real Florida first-time buyer program in 2026, what it takes to qualify, and how to stack them to bring almost nothing to closing.
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Do Mortgage Lenders Use FICO or VantageScore? What Changed in 2026- and Why It Affects Your Rate
You pulled your credit on your banking app, saw a number in the 720s, then a lender quoted you off something 40 points lower. Same you, same credit — different score. Here’s why that gap finally matters in 2026, and how the right score can change your rate, your costs, and whether you get approved…
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Should I Wait For Mortgage Rates To Drop Before Buying a Home in Florida?
Here’s the math, the strategy, and the honest answer most people don’t want to hear — but need to. By Keith Meredith 2026 11 min read I get this question more than almost any other right now: “Keith, should I just wait until rates come down?” It’s a fair question. Rates have been elevated for…
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Manufactured Home Financing in 2026: Everything You Need to Know
Manufactured homes are more financeable than most people think. Here are the programs, the myths, and how to actually qualify. 📖 12 min read Manufactured homes are one of the most misunderstood segments of the housing market. I’ve talked to dozens of buyers over the years who assumed a manufactured home meant cash-only or a…
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Buy a second primary residence for your parents!
A Fannie Mae provision lets you put as little as 5% down on a second primary residence — for your parents. Here’s how it works, what to watch for, and the questions most people don’t think to ask. 📖 8 min read I’ll be honest — I’ve been doing mortgages for over 16 years and…
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New FHA Monthly Mortgage Insurance Premium
New FHA Mortgage Insurance Premium Rates The FHA mortgage program has been extremely successful. The program is more than solvent and that has allowed HUD to lower the monthly mortgage insurance premiums at a time when home affordability is stressed with higher mortgage interest rates. The previous rate was .85% a year on the total…
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Covid 19 Update in the Mortgage Banking Industry
Its a crazy time in the mortgage lending world with Covid-19 but here is the latest update!
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Saving Deals With the MCC First Time Home Buyer Program!
Program Status: Discontinued Florida’s MCC program is no longer offered. The good news: better help exists today. Hometown Heroes offers up to $35,000 toward your purchase, and Florida’s down payment assistance programs remain active. This page stays up for reference — get pre-approved and we’ll match you to what’s available now. Attention Real Estate Agents!…
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New USDA Income Limits!
The USDA has increased the income limits for their $0 down home loan program! For almost all of the counties in Florida the new USDA income limits for a household of 4 or less is $82,700. For a 5-8 person household the new income limit is $109,150. 1- 4 person household 5 – 8 person…
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Can I Finance a Log Cabin?
Can I finance a log cabin? The answer is yes! Some lenders won’t let you but it’s not a problem for us. Conventional financing is going to be your best bet for a loan program. For a primary residence you can buy with as little as 5% down. If you’re first time home buyer you…
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Florida USDA Turn Times
Last updated June 11, 2026 · Written by Keith Meredith, Florida mortgage broker · NMLS #303217 Quick answer: Florida USDA turn times typically run 1–15 business days after underwriting, through a single statewide queue. To hear the exact submission dates the USDA is processing right now, call the Florida Rural Development hotline at 352-338-3421 —…
