First-Time & Move-Up Buyers

Your Florida Dream Home Starts Here

Whether you're buying your first home or moving up, we'll guide you through every step — from pre-approval to closing keys in hand.

3%

Down Payment as Low as

500+

Credit Scores Starting at

21–30 Days

Average Close Time

11+

Programs Available

The Process

Your Path to Homeownership

Four clear steps from where you are today to the keys in your hand.

01

Get Pre-Approved

Know your budget before you shop. Our pre-approval is fast, thorough, and respected by sellers and agents across Florida.

02

Find Your Home

Shop with confidence knowing exactly what you can afford. Your agent and our team work in sync to move quickly when you find the one.

03

Lock Your Rate

Once under contract, we lock your rate and begin processing. We keep you informed at every milestone — no surprises.

04

Close & Celebrate

We target a smooth, on-time closing. Most purchases close in 21–30 days. Then it's time to celebrate — you're a homeowner!

Loan Programs

Programs Built for Buyers

We'll match you with the program that fits your credit, savings, and goals.

FHA Loans

3.5% down, flexible credit. The most popular choice for first-time buyers.

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Conventional

As low as 3% down for qualified buyers with strong credit.

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VA Loans

Zero down for eligible veterans and active-duty service members.

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USDA Loans

100% financing for eligible rural and suburban Florida properties.

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"As a first-time buyer, I was nervous about the whole process. Aaron and the CFGC team made it feel simple. They explained everything, answered every question, and we closed in 28 days."

Jessica M.

Palm Beach Gardens, FL

FHA Purchase

Ready to Take the First Step?

Get pre-approved in minutes. Our team will review your situation, explain your options, and give you a clear path forward — with no pressure and no obligation.

Free pre-approval consultation
No impact to credit for initial review
Same-day pre-approval letters available
Bilingual support available

Common Questions

Homebuyer FAQ

Answers to the questions we hear most from first-time and move-up buyers.

Still have questions?

Talk to a Loan Officer

Capital Financial Group Corporation — NMLS Company #2547138. Licensed Mortgage Lender. 110 Front Street, Suite 300, Jupiter, FL 33477. This is not a commitment to lend. All loans subject to credit approval. Loan programs, rates, and availability subject to change. Equal Housing Lender. www.nmlsconsumeraccess.org