First-Time Home Buyer Loans and Down Payment Assistance

What a first purchase actually involves: how much you need saved, which programs reduce the down payment, and the order the steps happen in from pre-approval to keys.

Many first-time buyers qualify for FHA loans with 3.5% down, conventional options from 3% down, VA loans with $0 down for those who served, or USDA loans in eligible areas. Down payment assistance may also be available. Call (727) 390-7432 to get started.

First-time buyer steps

Sidney Merritt, Mortgage Loan Officer at NEXA Lending. NMLS #1166922. Call (727) 390-7432.

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Educational Seminar

First Time Home Buyer Seminar

ake the first step towards owning your dream home with our comprehensive seminar.

Join Sidney Merritt for an informative session designed to guide you through every aspect of the home buying journey.

What You'll Learn

  • Learn the entire home buying process from start to finish
  • Understand down payment options and assistance programs
  • Get pre-approved with competitive rates
  • Expert guidance on credit improvement strategies
  • Access to exclusive first-time buyer programs
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