Buying a Home in Florida? Start With the Right Mortgage

From first homes to vacation properties and investment purchases, Team Stapleton helps Florida buyers find the right financing solution.

Why Florida Home Buyers Choose Team Stapleton?

With more than 25 years of mortgage experience, Team Stapleton helps Florida home buyers navigate every step of the financing process. Whether you're purchasing your first home, upgrading to a larger property, relocating, or investing in real estate, our team provides personalized guidance, competitive loan options, and local market expertise.

Tailored Mortgage Solutions for Florida Homebuyers

We offer a range of mortgage solutions tailored to fit your needs. Conventional loans are ideal for buyers with strong credit, providing competitive rates and flexible terms. For those with limited funds for a down payment, FHA loans offer an accessible option with as little as 3.5% down. VA loans provide zero down payment opportunities exclusively for veterans and active-duty military personnel, ensuring they can secure home financing with ease. Additionally, USDA loans are available for eligible rural property buyers, offering zero down payment and reduced mortgage insurance costs.

Whatever your financial situation, our team is here to guide you toward the best mortgage solution to achieve homeownership in Florida.

Down Payment Assistance Programs Available in Florida

Florida Housing's First Time Homebuyer (FTHB) Program: Provides 30-year fixed-rate mortgages and down payment assistance to qualified first-time buyers.
Florida Assist: Offers up to $7,500 in down payment assistance as a deferred second mortgage.
Mortgage Credit Certificate (MCC) Program: Allows first-time buyers to claim a tax credit for a portion of the mortgage interest paid annually.
Florida Home Town Heroes: Provides down payment and closing cost assistance to eligible teachers, healthcare workers, first responders, military members, and other workforce professionals purchasing a primary residence in Florida.

Our team will help you determine eligibility and guide you through the application process to maximize these benefits.

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Helping Florida Home Buyers Across the State

Team Stapleton Home Loans assists home buyers throughout Florida including St. Petersburg, Tampa, Clearwater, Sarasota, Bradenton, Pinellas County, Hillsborough County, Manatee County, and surrounding communities.

St. Petersburg

Tampa

Clearwater

Sarasota

Bradenton

Pinellas County

Hillsborough County

Manatee County

Frequently Asked Questions About Buying a Home in Florida

What credit score is needed to buy a home?

Credit score requirements vary depending on the loan program. While some conventional loans may require higher scores, FHA loans can be available to borrowers with more flexible credit profiles. In addition to credit score, lenders also consider income, employment history, debt-to-income ratio, and overall financial stability when determining eligibility.

How much down payment do I need?

The amount required depends on the loan program you choose. Some conventional loans may require as little as 3% down, FHA loans may require 3.5% down, and eligible VA and USDA borrowers may qualify for zero-down financing. Down payment assistance programs may also be available to help reduce upfront costs.

What loan programs are available?

Several mortgage options are available, including Conventional, FHA, VA, and USDA loans. Florida homebuyers may also qualify for down payment assistance programs, first-time homebuyer programs, and other specialized financing solutions. Team Stapleton can help determine which loan best fits your goals and financial situation.

Can I buy a home with FHA financing?

Yes. FHA loans are a popular option for many homebuyers because they offer flexible credit requirements and down payments as low as 3.5% for qualified borrowers. FHA financing can be especially helpful for first-time buyers, but it is available to many different types of homebuyers who meet program guidelines.

What are closing costs?

Closing costs are the fees and expenses associated with completing a home purchase. These may include lender fees, appraisal fees, title services, recording fees, prepaid taxes, and homeowner's insurance. Closing costs typically range between 2% and 5% of the home's purchase price, although the exact amount varies based on the transaction.

How long does the mortgage approval process take?

The mortgage approval process can vary depending on the loan type and complexity of the transaction. In many cases, buyers can receive a pre-approval within a day, while the full loan process may take approximately 30 to 45 days from application to closing. Team Stapleton works to make the process as smooth and efficient as possible.

Your Homeownership Journey Starts Here

Whether you're purchasing your first home, upgrading to a larger property, relocating, or exploring your financing options, Team Stapleton Home Loans is here to help. Our team will walk you through the mortgage process, explain your available loan options, and help you secure financing that fits your goals and budget.