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1
Using a BIG bank

Bigger the bank, higher the rate. Buyers get marked up retail rates to offset the bank's overhead.

2
Afraid to shop around

Buyers falsely believe multiple credit inquiries will negatively impact their score and ability to qualify.

3
Paying closing costs

Most FHA buyers end up refinancing later to get away from PMI, so why pay closing costs twice?

Top 3 first-time home buyer mistakes

Don’t make these common first-time home buyer mistakes. It could cost you thousands and we see them made everyday.

Top 3 first-time home buyer mistakes

Don’t make these common first-time home buyer mistakes. It could cost you thousands and we see them made everyday.

1
Using a BIG bank

Bigger the bank, higher the rate. Buyers get marked up retail rates to offset the bank's overhead.

2
Afraid to shop around

Buyers falsely believe multiple credit inquiries will negatively impact their score and ability to qualify.

3
Paying closing costs

Most FHA buyers end up refinancing later to get away from PMI, so why pay closing costs twice?

Florida County By County Downpayment Assistance Information

Orange County, FL

  • Cannot have owned a home in last 3 years
  • Minimum credit score of 640
  • Residency in Orlando metro area in last 12 months
  • Provide $1,000 or 1.75% of the purchase price, whichever is higher
  • Income cannot exceed Orange County program limits

Seminole County, FL

  • Cannot have owned a home in last 3 years
  • Minimum credit score of 640
  • You must have a purchase contract on a home located in Seminole County
  • Assistance cannot exceed $50,000
  • You must be a legal U.S. resident
  • Income cannot exceed Seminole County program limits

Volusia County, FL

  • Cannot have owned a home in last 3 years
  • Minimum credit score of 640
  • Total assistance cannot exceed $25,000
  • Closing cost assistance cannot exceed $3,000
  • You must be a legal U.S. resident
  • Income cannot exceed Volusia County program limits

Florida FHA Guidelines Made Simple

Florida Home Funding’s FHA loan expert breaks down what you need to know about Florida FHA guidelines in less than a minute.

Mortgage Loans For First Time Home Buyers

Home purchases have made a comeback this year as the economy continues to recover and consumers return to the market. While many of these purchases are cash deals, most first time home buyers do not have the means for a…

Are There Any Benefits To Using Mortgage Brokers?

Many people don’t know where to turn when they need a mortgage, whether for a home purchase or refinancing. The obvious choice is most likely to be your local bank, although this may not be the best choice. Mortgage lenders…

WHAT OUR CLIENTS ARE SAYING

First time home buyers and Shahram and Cindie made the process so smooth! We were nervous and didn't even know where to start-- with their patience and expertise my wife and I now own our…Read More

Laura Dempsey
Rating: 5

Just purchased our home with the assistance of Shahram and his team...I would recommend them to anyone. From day one everyone was so caring and diligent!!! Thank you so much for everything you did! We…Read More

Ursula Ann
Rating: 5

TRULY GOD SENT!! Shahram and Cindie arrived just within the nick of time. Shahram stated that we would close within 30 days, and we did just that! I had a very LONG and drown out…Read More

Yvette Walker
Rating: 5

Florida Home Funding was great to work with. Shahram and Cindie made our 1st home purchase a wonderful and memorable simple process.

Jeff Mortiz
Rating: 5

First time home buyers and Shahram and Cindie made the process so smooth! We we're nervous and didn't even know where to start - with their patience and expertise my wife and I now own…Read More

Heather Butler-Brown
Rating: 5

Working with Shahram and Cindie was great, They helped us from beginning to end answering all of our questions and giving us the confidence that all will be all right. We found our forever home…Read More

Will Hurtade
Rating: 5

Our experience with Florida Home Funding was an exceptional one. We worked with Shahram and Cindy through the process. They were in constant communication with us and took the time to answer our questions with…Read More

Luis C.
Rating: 5

Great people and very professional to deal with. I would highly recommend their services!!

Nelson Lerma
Rating: 5

Working with Shahram Sondi was a great experience. From the beginning he was very informative and easy to talk to. I felt relaxed and confident with Shahram working on my mortgage application. He walked me…Read More

Mark Lombardo
Rating: 5

Shahram is an expert at what he does. There was no guess work at any point, my husband and I felt fully informed through the whole process. Sharham collected the information needed and was very…Read More

Brenda Slocki
Rating: 5

Shahram and his assistant are an incredible team. They are extremely thorough and make what is usually a stressful process smooth and easy. They are on top of every single detail and they will get…Read More

Bill Limato
Rating: 5

I have been through the mortgage process on 3 different occasions and this was by far the easiest. Everything promised was received! It was the fastest and easiest refi I've been through. Everything was done…Read More

Brian
Rating: 5

Kudos to Shahram & Cindi for their great work refinancing my mortgage in record 2 weeks time. Shahram was very professional, Timely in response and most importantly very knowledgable. I shopped with 5 mortgage companies…Read More

Krishna Akumalla
Rating: 5

We recently used Florida Home Funding for our mortgage needs. The process was well executed, we were always informed of next steps, status and felt we had a "trusted advisor" on our side. We got…Read More

Chad Hensley
Rating: 5

Great team to work with. Everything was smooth and painless. No complaints.

Rebecca Cruz
Rating: 5
Florida Home Funding Reviews