First-Time Homebuyer Guide for Florida in 2025

Getting Started

Buying your first home is one of the most exciting milestones in life. In Florida's competitive market, preparation is key. Here's what you need to know.

Step 1: Get Pre-Qualified

Before you start house hunting, get pre-qualified for a mortgage. This tells sellers you're a serious buyer and helps you understand your budget. At Beacon Mortgage, our pre-qualification process is fast and free.

Step 2: Choose the Right Loan

Florida first-time buyers have several options: FHA loans with 3.5% down, conventional loans with as little as 3% down, and VA loans with zero down for veterans. Each has different requirements and benefits.

Step 3: Find Your Home

Work with a local real estate agent who knows your target market. Florida's diverse neighborhoods offer everything from urban condos to suburban family homes.

Step 4: Close the Deal

Once your offer is accepted, your loan officer will guide you through underwriting, appraisal, and closing. The typical timeline is 30-45 days from contract to keys.

Ready to get started? Apply now or contact us for a free consultation.