Applying for A Mortgage Loan?

In this Market, being Pre-Qualified with a Lender puts you in position to submit offers right away. I highly recommend Pre-Qualification to increase your chance of securing the home of your choice before another buyer’s offer is accepted. There are several options for Pre-Qualifying for a Mortgage Loan and different financing products for the purchase of a house.


There are Down Payments Assistance Programs available for eligible homebuyers. For example, Florida Housing’s First Time Homebuyer (FTHB) Program 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 upto $15,000.

If you are not a first time homebuyer, you may still be eligible to participate if you are purchasing a home in a federally designated targeted area or if you are a qualified Veteran.

The First Time Homebuyer Program uses income and purchase price limits to determine eligibility. Additionally, potential borrowers must:

  • Complete a Homebuyer Education Class
  • Qualify for a Mortgage Loan and have a qualifying FICO Score.


One of our preferred lender is VanDyk Mortgage, they not only offer mortgage products that fit the specific needs of our clients, but they also work with the City, County and State Programs that provide Down Payment Assistance which makes the purchase of a home a lot more affordable. Also, their loans are direct and the entire process is executed by their team at their own branch which allows them to have an unparalleled level of control and supervision of each step of the process, starting with the client’s request and ending with the closing.

Pre-Qualification is FREE. The process is simple – you just have to provide basic information and permission to order a full credit report. Follow the secure link that will take you to their application website. There you will find the application also in Spanish for your convenience.