First-Time Homebuyer Programs in Florida

Guidance and programs built for your first purchase.

Buying your first home in Florida can feel overwhelming. Witte Mortgage walks first-time buyers through affordability, credit, down payment assistance, and the full timeline — in plain English.

We work with Florida Housing Finance Corporation programs, county-level down payment assistance, and lender-specific first-time-buyer offerings that pair with conventional, FHA, VA, and USDA loans.

You'll get a realistic monthly-payment target, a personalized pre-approval letter, and a step-by-step plan from application to closing.

Available to qualified Florida borrowers statewide — including Tampa, St. Petersburg, Orlando, Miami, Fort Lauderdale, Jacksonville, Naples, Fort Myers, Sarasota, Gainesville, Tallahassee, and the Panhandle.

Serving all of Florida Licensed NMLS #627790 Mon–Sat, 8am–5pm EST (727) 336-0680

Highlights

Down payment assistance

State and county programs may cover thousands toward down payment or closing costs.

Low-down options

3% conventional, 3.5% FHA, 0% VA/USDA.

Credit-building guidance

Simple steps to raise your score before you apply.

Buyer education

Peter explains escrow, PMI, taxes, insurance, and closing costs so nothing is a surprise.

Apply Now

Apply for your mortgage online

Start your secure online application. It takes about 15 minutes, saves as you go, and lets you upload documents right from your phone or laptop.

Apply Now

Secure encrypted application About 15 minutes

Applying does not affect your credit score until you authorize a credit pull. This is not a commitment to lend.

How it works

Our four-step process

A clear, transparent path from first conversation to closing — designed to save you time and remove surprises.

1. Free discovery call

Share your goals, timeline, and situation. Peter listens first — no pressure, no cookie-cutter pitch.

2. Program shopping

We compare programs across our lender and carrier network to identify the best fit for your scenario.

3. Application & underwriting

Clean document intake, straight talk on conditions, and proactive updates so nothing stalls.

4. Close & follow-through

We coordinate closing, then stay available for future refinances, renewals, and referrals.

Why Florida clients choose Witte Mortgage

Independent Florida broker

Not tied to one bank or carrier — we shop the market so your interests come first.

Direct access to Peter

You work with a licensed professional (NMLS #627790), not a call center rep.

Statewide Florida coverage

Tampa Bay to Miami, Jacksonville to the Panhandle — we know local markets.

Transparent, honest quotes

Clear breakdowns of rate, fees, and total cost — no bait-and-switch.

Fast, responsive service

Same-day replies during business hours and evening/weekend flexibility.

Long-term relationship

Most of our business comes from repeat clients and referrals — we play the long game.

FAQs

Frequently asked questions

Do I need to be a first-time buyer to use these programs?+

Many Florida programs define 'first-time' as not having owned a home in the last 3 years — you may qualify even if you've owned before.

How much do I need saved to buy in Florida?+

It depends on price and program. Some buyers close with just a few thousand out of pocket when assistance stacks with seller credits.

Residential Lending

Related residential lending programs

Explore other programs in this category — many clients combine or compare options before deciding.

First-Time Homebuyer Programs available across Florida

Peter serves clients statewide. Click any market to start a conversation about your goals.

Schedule a consultation

Ready to talk about residential lending?

Pick a time that works for you. Peter will reach out to discuss your situation and next steps.

Back to Residential Lending