HomeTown Heroes | Down Payment Assistance In Florida
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- Опубликовано: 14 ноя 2022
- Down Payment Assistance is available in Florida for certain professions like Teacher, Police Officer, Veterans, Firefighter, Nurse and many others.
This program started on June 1st and is available to First Time Homebuyers in Florida.
The buyer can get 5% of the loan amount up to $25,000, whichever is less.
First Time Homebuyer is someone that has owned a home in the last three years AND lived in it.
If you or someone you know is renting and has one of the qualified professions, I urge you to check out the video and learn more.
You can also call or office or email timteam@vandykmortgage.com for more information.
Check out this video to learn more.
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Do you know a Teacher, Police Officer, Firefighter or Nurse that wants to own a home in Florida? Feel free to share this video with them!
Thank You!!! 👌 Blessings
Our pleasure! Is there anything we can do to help you?
Very helpful. My fico 600 im so close.
Love it! We have programs that may be able to help increase that score if you want the help. Just let me know. We are happy to help!
Do state of Florida Department of Corrections officers qualify
Hello! They did qualify but that program is out of money until June 2024. There may be other options to help you if we can.
I am Working with a lender right now and they are telling me that the debt to income needs to be in a certain place, I qualify because I am below the yearly income. Now they tell me that I need to look at only homes that put my Debt to income at a certain level to qualify for Hometown heroes. Does this make sense?
Debt to income ratio is important. Every situation is different. They take in consideration your consumer debt and the estimated mortgage payment. E-mail me at thart@vandykmortgage.com or call me at 239-437-4278 if you want to discuss further.
say you get a 30 year fixed with the va loan, you pay off the 30 year loan, what happens with the HTH loan?
Hello Ethan! You will have to pay it back once you sell or refinance. Let me know if I can help with anything else
@@TimHartLoanOfficer so you will have to pay it back even if you pay off a loan from your lender?
@@re2fanlicker2 correct. It’s a no interest loan from the state. You have to pay it back if you refinance or sell the property.
For credit score are they using your median score?
hello! thanks for watching! We do use the middle score out of Experian, Transunion and Equifax.
Do they still have money left for this program?
yes they do. How can we help you?
If I were to get approved for the 25K, could I still use my own savings as well to hopefully get a lower monthly payment?
Yes you can use any extra money you have towards your down payment. That is allowed
Can I help you?
@@TimHartLoanOfficer how long do you have to be in your profession to qualify for this?
@@Moloko803 depends on what job you are doing but most of these jobs are w-2 so it won’t be that long if a waiting period. Always depends on you previous work history. Feel free to email me at thart@vandykmortgage.com to talk further if you would like