We Strive To Get You The Most Competitive Rates in Florida
Hometown Equity Mortgage engages in the business of originating, closing and funding residential loans in Florida and nationwide. We’re committed to doing everything in our power to provide clients a worry-free mortgage loan process*, from application to completion and… we’re a pleasure to work with!
Types of Mortgage Loans We Offer
- Conventional Loans
- First Time Home Buyers
- FHA Home Loans
- Veterans Loans
- Jumbo Loans
- Mortgage Refinancing
- Debt Consolidation
- Cash Out Your Mortgage
- USDA Loans
*Certain restrictions & credit approval apply; not all applicants will qualify.
First Time Home Buyer Loan Lenders in Florida
Zero Down Payment Home Loans
There are only two grant programs available to purchase a home with a zero down payment:
1) Veterans or VA Loans
Military veterans may be able to qualify for affordable, below market interest rates in obtaining mortgage financing through the VA program. Qualified veterans are those who served on active duty and applied for financing within 25 years after the date of which the veteran left service.
Read more at Veterans Affairs.
2) USDA or Rural Loans
For a USDA loan there are restrictions to where you can live.
Read more on USDA Loans
If you don’t wish to buy in a rural area or aren’t a veteran, then please read the following information.
FHA Home Loans & Programs
An FHA loan is a mortgage insured by the Federal Housing Administration, a government agency within the U.S. Department of Housing and Urban Development. The FHA loan offers energy efficient mortgages, loans for manufactured or mobile homes, 203k rehabilitation loans and several other programs.
In the housing market turndown, FHA home loans have become one of the most popular options. Borrowers with FHA home loans pay for mortgage insurance which protects the lender from a loss should the borrower default on the loan. Because of that insurance, mortgage lenders can offer attractive interest rates. Click to read much more information on FHA loans here
Getting Started With a Zero Down Mortgage Loan
Hometown Equity Mortgage makes it easy to get a first time home buyer loan with zero down. Apply online to see if you qualify by clicking on the banner below or call us and we’ll be happy to discuss your needs at (855) 563-4836
Now Licensed in 39 States Nationwide!
Our company has a branch office in St.Peters, Missouri and which also serves Florida state. We’re also licensed to serve in 39 states in the USA, with more being added monthly!