First Time Home Buyers in Florida | People's Choice Realty
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Buying Your First Home
in Florida?
We Make It Simple.

Full guidance through every step of the first-time buyer process — plus cash back at closing when you're done.

Step by Step

Your First Florida Home — From Start to Keys

1

Get Pre-Approved for a Mortgage

Before looking at homes, you need to know exactly what you can afford. We connect you with trusted Florida lenders and walk you through FHA, VA, USDA, and conventional loan options.

2

Define Your Must-Haves

We help you prioritize — neighborhood, schools, commute, HOA preferences, and whether resale or new construction fits your budget and lifestyle.

3

Search and Tour Homes

We search the full MLS in your target Florida market and set up tours — in person or virtual if you're relocating from out of state.

4

Make an Offer

We analyze comparable sales, structure your offer competitively, and negotiate on your behalf. We explain every contingency before you sign anything.

5

Inspection and Appraisal

We coordinate your home inspection, review the report with you, and negotiate any repairs or credits with the seller. Never skip the inspection.

6

Close and Get Your Cash Back

You sign your documents, receive your keys, and get up to 50% of our commission back as a cash rebate — on day one of owning your first Florida home.

Florida Assistance Programs

Programs to Help First-Time Buyers

Florida Housing

Florida Assist

Up to $10,000 in down payment assistance as a 0% interest second mortgage. No monthly payment — repaid when you sell or refinance.

FHA Loan

3.5% Down Payment

Federal Housing Administration loan for buyers with lower down payments or building credit. Great for first-time buyers across all of Florida.

USDA Loan

Zero Down Payment

Zero down payment mortgage available for eligible rural Florida areas. Qualifying buyers pay nothing down.

VA Loan

For Veterans & Military

Zero down payment for qualifying veterans and active-duty military. One of the best mortgage programs available.

Your Cash Back + Assistance Programs

Combine a first-time buyer loan program with our commission rebate and you could close on your first Florida home with significantly less out of pocket than you expected — plus cash in hand at closing.

Get My First-Time Buyer Estimate →