Many Tampa homebuyers can purchase with as little as 3% down on conventional loans, and 0% down options may be available for VA and USDA loans. There are also Florida-based assistance programs that can help with upfront costs.

Yes. Florida offers several first-time homebuyer programs, including down payment assistance and reduced interest rate options. Our Tampa team can help you explore what you qualify for.

It depends on your situation and the loan program chosen but most loan programs require a minimum credit score between 580–620, depending on the loan type. Some programs are more flexible than others, especially for first-time buyers.

In many cases, pre-approvals can be completed within 24 hours once your documents are submitted. Getting pre-approved early helps you shop with confidence in Tampa’s competitive market.

Tampa continues to be a strong and growing market. The right time to buy depends on your financial goals, but getting pre-approved is the best first step to understanding your options.

Yes. There are loan programs designed specifically for self-employed borrowers, including options that use bank statements instead of traditional income documentation.

Our Tampa branch proudly serves homebuyers throughout the entire state of Florida. While we’re based in Tampa Bay, we frequently work with clients in South Tampa, St. Petersburg, Brandon, Riverview, Lutz, Port Richey, Lakeland and Clearwater, as well as major markets like Orlando, Miami, Jacksonville, West Palm Beach, Tallahassee and surrounding areas. No matter where you're buying in Florida, our team is here to help guide you through the process.