Cedar Key, FL First Time Homebuyer
Hundreds of first time homebuyers across Cedar Key, FL are ready for home ownership. Securing the right home loan doesn’t have to be hard, we have solutions for less than perfect credit and even those with little savings or down payment. To help first home buyers overcome challenges we offer more programs and the extra benefit of wholesale rates. We simplify the home buying challenges presented by 2025 Cedar Key mortgage guidelines. Our mission is to get you approved and into your home with payments you can afford. Even if you think you won’t qualify, our highly trained specialists will work with you closely on an individual basis to:
- Review your finances to find a payment you can afford.
- Improve your credit score if needed to qualify.
- Obtain pre-approval to shop for the home of your dreams.
- Secure a loan and purchase your new home!
First Time Homebuyer Options
First time homebuyers in Cedar Key, FL have so many options. With a conventional or FHA mortgage, borrowers can buy with as little as 3% down. For those who still lack the down payment check out our First Time Homebuyer Grant. For Veterans (VA loan) or those looking to buy in rural areas (USDA Loan) we have no money down options. New Alternative mortgage programs in 2025 give homebuyers the option to qualify even with bank statements. First time homebuyer experts are standing by near Cedar Key, FL and ready to help. Connect with a licensed first time homebuyer specialist, ask questions, see if you qualify, and get free quotes. Call (888)416-0920
Mortgage Brokers near Cedar Key, FL
When it comes to Cedar Key, FL home loans, Mortgage Brokers have more options. Regardless of what a consumer thinks, Cedar Key Mortgage Brokers offer a wholesale rate and lower costs. Going directly to the bank or a mortgage lender is not a better option. If you are in doubt, it is always a good idea to get a couple of quotes and compare them. If you still don’t understand the difference between wholesale and retail mortgage rates call (888)416-0920. A Cedar Key, FL Mortgage Broker will be able to offer you more programs. Banks and Lenders have set mortgage guidelines including set credit score limits. Mortgage Brokers in Cedar Key can work with all types of credit scores.
Working around Credit Issues with Top Rated Specialists
The Cedar Key home mortgage team is celebrating its 28th year in business. Our experience allows for consumer mortgage confidence especially with first time home buyers. We navigate consumers through the mortgage process, explain options and find what choice works best for you.
Get on the Path to Home Ownership. We got your Back!
First Home Buyers Cedar Key, FL
Get Pre-Qualified Now
First Homebuyer Benefits in Cedar Key, FL
- Little to no money down
- Wholesale mortgage rates
- Bruised credit excepted
- Bankruptcies, Foreclosures, Short Sales Okay
- Grants for down payment
- Gift Funds Allowed
Find your First Home Loan near Cedar Key, FL (888)416-0920.
Cedar Key is a city in Levy County, Florida, United States. The population was 702 at the 2010 census.[5] The Cedar Keys are a cluster of islands near the mainland. Most of the developed area of the city has been on Way Key since the end of the 19th century. The Cedar Keys are named for the eastern red cedar, Juniperus virginiana, once abundant in the area.[6]
While evidence suggests human occupation as far back as 500 BC, the first maps of the area date to 1542, when it was labeled “Las Islas Sabines” by a Spanish cartographer.[citation needed] An archaeological dig at Shell Mound, 9 miles (14 km) north of Cedar Key, found artifacts dating back to 500 BC in the top 10 feet (3.0 m) of the 28-foot-tall (8.5 m) mound. The only ancient burial found in Cedar Key was a 2,000-year-old skeleton found in 1999.[7] Arrow heads and spear points dating from the Paleo period (12,000 years old) were collected by Cedar Key historian St. Clair Whitman and are displayed at the Cedar Key Museum State Park.