Welcome to Edge Home Loans in Jacksonville, Florida

Are you a first-time home buyer looking to make your dream of owning a home a reality? At Edge Home Loans, we understand that navigating the mortgage landscape can be overwhelming, especially for first-time buyers. That’s why we’re here to help you every step of the way. Located in the vibrant city of Jacksonville, we specialize in first-time home buyer programs designed to make your home-buying journey as smooth as possible.

Your Path to Home Ownership

Jacksonville, known for its beautiful beaches and warm climate, is an excellent place to settle down. With its friendly neighborhoods and rich cultural scene, it’s no wonder many choose to call this city home. However, buying a home can be a daunting process, particularly if it’s your first time. At Edge Home Loans, we offer various programs tailored specifically for first-time home buyers, making it easier for you to find the right mortgage solution.

Why Choose Our First-Time Home Buyer Programs?

• Low Down Payment: You can get qualified as a first-time home buyer with as little as 3.5% down. This means you don’t have to save for years to afford a down payment.
• Competitive Rates: We offer low rates for first-time home loans, helping you save money in the long run.
• Credit Assistance: Our team will help you understand credit requirements and work with you to improve your score if needed. You can qualify with a credit score of at least 580.
• Fast Closings: We understand that time is of the essence. Our goal is to close your loan in 30 days or less with low fees, so you can get into your new home quickly.

Understanding Jacksonville’s Real Estate Market

Jacksonville’s real estate market is diverse, with options ranging from historic homes in Riverside to modern condos downtown. The city’s favorable weather and low cost of living make it an attractive destination for new residents. Plus, with the ongoing development of the area, investing in a home here can be a smart financial decision.

For those interested in exploring the local scene, Jacksonville boasts a wealth of nearby businesses, parks, and entertainment options. Whether you enjoy the outdoors or prefer a lively urban atmosphere, there’s something for everyone. For more information about Jacksonville, you can check out Visit Jacksonville.

Common Questions About First-Time Home Buyer Programs

We often receive questions from first-time home buyers. Here are some of the most common inquiries:

• What are the eligibility requirements? To qualify for our first-time home buyer programs, you typically need a minimum credit score of 580, and you must be a first-time buyer.
• How much can I borrow? The amount you can borrow will depend on various factors, including your income, credit score, and the property you wish to purchase. Our mortgage calculator can help you estimate your potential loan amount. You can find it here.
• What types of homes can I buy? You can use our programs to purchase a variety of homes, including single-family homes, townhouses, and condos, as long as they meet the program requirements.

Let Us Help You Get Started

At Edge Home Loans, we pride ourselves on our extensive experience in helping first-time home buyers navigate the mortgage process. Our friendly team is dedicated to ensuring you feel supported and informed throughout your journey. We will work with you to find the best loan options that fit your unique needs.

If you’re ready to take the next step towards home ownership, don’t hesitate to reach out to us. You can apply online here or give us a call at (855) 744-EDGE. We look forward to helping you make your dream home a reality!

For more information on our services, check out our service areas.

Discover the beauty and opportunity that Jacksonville has to offer while taking advantage of our tailored first-time home buyer programs. Let’s get started today!