Helping You Step Into
Homeownership
Low Down Payments, Grants, and Expert Guidance for Your First Home.
See If You QualifyAre You Eligible for First-Time Buyer Programs?
You don't need perfect credit or a 20% down payment. Many programs are designed specifically to help you buy your first home sooner.
Credit Score Flexibility
FHA loans accept scores as low as 580. Some conventional programs start at 620.
Debt-to-Income (DTI)
Lenders look for a reasonable balance between your debt and income.
Employment History
Typically 2 years of consistent employment history is required.
First-Time Status
Generally defined as not owning a home in the last 3 years.
Florida Assistance Programs
Take advantage of state-specific programs designed to lower your upfront costs and make monthly payments more affordable.
Florida Assist Second Mortgage
Get up to $10,000 in deferred, zero-interest down payment assistance.
HFA Preferred & Advantage
Enjoy reduced mortgage insurance costs and affordable fixed-rate mortgages.
FL Homeownership Loan (HLP)
Offers a $10,000 second mortgage option to assist with closing costs.
Salute Our Soldiers
Special rates and assistance for active duty military and veterans.
How to Secure Your First Mortgage
The path to homeownership is easier than you think. Follow these simple steps to get started on your journey.
1. Review Eligibility
We'll check if you qualify for state and federal programs based on income/credit.
2. Homebuyer Education
Complete a simple course (often required) to understand homeownership.
3. Gather Details
Collect pay stubs, tax returns, and bank statements. We'll provide a checklist.
4. Submit Application
We handle the paperwork and submit your application for fast approval.
Find the Right Loan for You
Browse the most popular loan options for first-time buyers. We'll help you pick the one that fits your budget.
FHA Loans
Low down payment (3.5%) and flexible credit requirements. Ideal for many first-timers.
Conventional 97
Just 3% down with good credit. A great low-cost option.
VA Loans
0% down payment for veterans and active military. No mortgage insurance.
USDA Loans
0% down payment for homes in designated rural areas.
Estimate Your Affordable Monthly Payment
Take the guesswork out of home financing. Use our simple mortgage calculator to estimate your monthly payment in seconds. With just a few details: loan amount, interest rate, and loan term – you’ll see an accurate breakdown of what your monthly payments could look like. Start planning your next move with confidence today!
Estimate Your Monthly Payment
Client Success Stories
Don't just take our word for it. Here's what our satisfied clients have to say about their home buying journey.
Robert & Sarah J.
Miami, FL
"Relay Home Loans made the impossible possible. We had a complex income situation, but they navigated it with ease. We are now happily living in our dream home!"
Michael D.
Fort Lauderdale, FL
"The best rate I could find, period. The process was smooth, transparent, and fast. Highly recommended for anyone looking to refinance."
Amanda L.
Boca Raton, FL
"As a first-time homebuyer, I was terrified. Relay Home Loans walked me through every step, explained everything clearly, and got me a great deal."
Frequently Asked Questions
Have questions? We're here to help you understand the mortgage process.
No, FHA and other programs allow lower credit scores, sometimes as low as 580.