Florida Homebuyer Mortgage Answers
Buying a home in Florida can feel more confusing than it should. We're here to give you straight answers. At AAA Capital Funding, protecting you starts with making every number clear.
Take your time reading this. Buying a home in Florida is one of the most significant financial moves of your life, and the rules are easier to follow once someone lays them out. Below, you'll find straight answers to the questions Florida homebuyers ask most. We cover exactly what you need for FHA, VA, and Conventional approvals.
Select Your Purchase Scenario
FHA Purchase Loans
FHA loans are a strong tool for hard-working families who want to buy with low out-of-pocket costs. We clear up the common misconceptions and explain exactly how to use government-backed loans to get your keys.
- ▸ What is the true minimum credit score to buy a house in Florida?
- ▸ What is the lowest credit score accepted to buy a house in Florida?
- ▸ How much money out of pocket do I actually need for an FHA loan?
- ▸ Do I have to pay a Realtor to buy a house, or can I use seller concessions?
- ▸ Does FHA count a debt someone else pays for me?
- ▸ How do I apply for an FHA loan in Florida?
VA Loan Entitlements
We cover credit score minimums, property tax exemptions, and multi-family purchases with your zero-down VA benefit.
Conventional Loans & Strategic Buying
For borrowers with stronger credit seeking to avoid mortgage insurance or drop it early, we break down the options most banks don't bring up.
- ▸ How much down payment do I actually need to buy a house in Florida?
- ▸ Do I actually have to put 20% down on a Conventional Loan in Florida?
- ▸ Can I use gift money for a down payment on a house in Florida?
- ▸ How much income do I need to qualify for a $400k mortgage in Florida?
- ▸ How to waive escrows and control your own property tax payments.
- ▸ What is the difference between a Pre-Qualification and a Pre-Approval?
- ▸ What are the Conventional loan rules for a 2 to 4 unit home?
- ▸ Can I buy a duplex and let tenants help pay the mortgage?
- ▸ Can I get a mortgage on a foreclosure home in Florida?
Agents, Credits & Other Ways to Buy
These answers cover your agent’s preferred lender, rebates, seller credits, first-time buyer programs, new construction, FSBO, and rent-to-own.
- ▸ Can my Realtor force me to use their "preferred" in-house lender?
- ▸ Why you should secure your financing BEFORE you speak to a real estate agent.
- ▸ What are Florida Homebuyer Rebates and how do they lower my costs?
- ▸ Does Florida have a first-time homebuyer grant or program?
- ▸ What is the Homebuyers Outreach closing cost credit?
- ▸ How much can a seller pay toward my closing costs and rate buydown?
- ▸ What should I know before buying in a new development?
- ▸ How do I buy a home that’s for sale by owner?
- ▸ Is rent-to-own a safe way to own a home in Florida?
Get Your Answer.
Rated 4.9 stars on Google. Licensed Florida mortgage broker since 1997.
As an independent broker, AAA Capital Funding shops your loan across multiple wholesale lenders. You work with the same local team from application to closing. Lower rates. Better service. Real results.
We'll give you a straight answer based on your real numbers, even if the answer is no.
Call 888-601-8344, under ten minutes, answered the same day. No application, no hard credit inquiry.
Text 954-816-8820 if that's easier.
AAA Capital Funding, Inc. · NMLS #374739 · Jason J. Sarji, NMLS #374700