If you exceed the income limits you the qualify for the 3.5% down payment! We have many programs available.
We have programs even for buyers that already own a home! (Pinellas county).
PRIDE OF HOMEOWNERSHIP
We can help you get your dream home! We help you get the following:
(1) Down Payment Assistance Program will help you to purchase your home with very little down payment.
(2) We also provide you with the FHA financing for the home.
(3) We help you search for your home!
In the event your credit scores are too low - we help you fix your credit - free of charge for our clients.
If you are a first time home buyer or you have not owned any real estate property in the past 3 years... You may qualify!
Latest Closings4260 57th Ave N: $70,000 home the borrower paid $1,023
3219 29TH ST N: $115,000 home the borrower paid $1,500
7529 36th Avenue N: $135,000 home the borrower paid $1,925
5931 41st Ave N: $150,000 home the borrower paid $3,000
4101 14 Ave S: $82,000 home the borrower paid $1,449
Step 1 - Check Income Limits:
All first time home buyers qualifies for a down payment assistance!
We offer different down payment programs; City DPA (requires 1% down), County DPA (requires 2% down) and Federal DPA (requires 3.5% down).
Step 2 - FHA Requirements:
-Min Medium Credit Score 580
-Collections no more than $2000 (medical don't matter)
-No judgement or lawsuit or middle of divorce
-2 years employment W2 (no gaps)
if Self Employed 2 yrs tax returns
-No DISPUTES in your credit report
-$1,500 Cash out of pocket (estimate depends on the City)
-No Bankruptcy in the past 2 years, No Foreclosures or Short sales in the past 3 years
-No Late Payments on your rental (copy of past 12 checks)
-3 open accounts in credit report (1+ year history)
-No NSF in bank account (past 2 months)
Step 3 - Apply Online:
It's time to complete the online application and provide your name SS number, DOB, income, employer name, etc. Click the button below and complete all required fields marked with a red *
or apply in-person at our offices 2100 4th St N, St Petersburg, FL 33704 call for an appointment 727-642-1166.
Step 4 - Proof of income:
Send us a text message with a picture of your paystub and 2016 W2 @ 727-642-1166 for income verification (or fax it to 727-490-2938)
Step 5 - Pull Credit Report:
You don't need to have perfect credit! The Down Payment Assistance Program requires a minimim of 580 mid score. In case you have lower scores, we will help you repair your credit and increase your scores.
Don't forget to pull credit report, without this we can't process your application.
Income calculated based on TOTAL HOUSEHOLD INCOME, not just the loan applicant. (including child support, disability and any income that you may receive and/or be reflected in your bank statements). Household consists of all the people who will be living in the same home.