Programs designed to help first-time homebuyers in Florida navigate the process with clear guidance and smart options.
What it is
Buying your first home is one of the biggest financial decisions you'll ever make. Andrew Kashella specializes in helping first-time buyers in Florida understand their options — from low-down-payment programs to grants and down-payment-assistance pairings — without overwhelming jargon.
The right program depends on your income, credit, savings, and the area you're buying in. Andrew helps you compare conventional 3% down, FHA 3.5% down, USDA zero down, VA zero down (if you qualify), and Florida-specific assistance programs side-by-side.
Who it's for
A few signs this program might be a strong fit. Even if you don't see yourself in this list, reach out — Andrew works with over 100 lenders and there's likely an option that fits.
Key Features
Conventional 3% down, FHA 3.5%, USDA 0%, VA 0% — we compare them all.
Florida programs (Florida Housing, Hometown Heroes, etc.) can layer on top of your loan.
Clear walk-through of pre-qualification, application, underwriting, and closing.
Down payment can come from family gift funds with the right loan program.
We explain things instead of pushing one product — you'll understand what you're signing.
Pre-qualification is free with no obligation. We're here when you're ready.
Frequently Asked
Less than most people think. With 3% down on a $300,000 home you need $9,000 plus closing costs. With seller concessions and down-payment assistance, your out-of-pocket can drop to a few thousand dollars.
580 minimum for FHA, 620 for most conventional and USDA programs. We can also help you understand exactly which credit factors are pulling you down and how to fix them quickly.
Florida Housing Finance Corp offers several DPA programs for first-time buyers, plus Hometown Heroes for teachers, police, firefighters, healthcare workers, and military. We'll match you with what fits.
Pre-qualification can be done in 24–48 hours. From accepted offer to closing is typically 30–45 days for a first-time buyer with a standard loan.
Andrew Kashella is here to help you compare options, understand the numbers, and figure out if this program is the right fit for your situation.
Andrew Kashella — NMLS #139171 | Innovative Mortgage Services, Inc. — NMLS #250769
Loan programs are subject to borrower qualification, credit approval, and property eligibility. Not all applicants will qualify. Additional terms and conditions may apply. Interest rates and loan programs are subject to change without notice. This is not a commitment to lend or extend credit.