Welcome to Edge Home Loans: Your Trusted Partner for First Time Home Buyer Programs in Jacksonville

Are you a first-time home buyer in Jacksonville, Florida? Congratulations on taking this exciting step toward homeownership! 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 with our specialized First Time Home Buyer Programs.

Why Choose Jacksonville for Your New Home?

Jacksonville is not just the largest city in Florida by land area; it’s a vibrant city that offers a unique blend of urban living and beautiful natural surroundings. With a warm climate, beautiful beaches, and a rich cultural scene, it’s no wonder that many are choosing to call Jacksonville home. Here are a few highlights:

• Weather: Jacksonville enjoys a subtropical climate with mild winters and hot summers, perfect for outdoor activities year-round.
• Nearby Attractions: Enjoy the stunning Jacksonville Beach, the historic Riverside neighborhood, and the bustling St. Johns Town Center for shopping and dining.
• Community Events: Jacksonville hosts numerous events throughout the year, including the Jacksonville Jazz Festival and the World of Nations Celebration, fostering a strong sense of community.

As you embark on your journey to homeownership, we want to ensure you have all the resources and support you need. Our team at Edge Home Loans specializes in helping first-time buyers like you find the perfect mortgage solution.

First Time Home Buyer Programs Tailored for You

Our First Time Home Buyer Programs are designed to make homeownership accessible and affordable. Here’s what we offer:

• Low Down Payment Options: You can qualify as a first-time home buyer with as little as 3.5% down. This means you don’t need to save a hefty sum to get started.
• Competitive Rates: We provide some of the most competitive rates in the market, making your monthly payments more manageable.
• Credit Assistance: Worried about your credit score? Don’t be! We help you understand the credit requirements, and you can qualify with a score of at least 580.
• Quick Closings: We know you’re eager to move into your new home. That’s why we aim to close your loan in 30 days or less, ensuring a smooth transition.
• Transparent Fees: We believe in clear communication about fees, so there are no surprises when it comes to your mortgage costs.

How to Get Started

Getting started with Edge Home Loans is easy. You can use our Florida mortgage calculator to estimate your monthly payments and see how much home you can afford. This tool can help you gain a better understanding of your budget and financial situation.

Once you’re ready, applying for our First Time Home Buyer Program is simple. Just click here to apply online, and our dedicated team will guide you through the process. We’ll ensure that you have all the necessary documentation and support to make your application as smooth as possible.

Common Questions About First Time Home Buyer Programs

We understand you may have questions. Here are some common inquiries we receive:

• What is considered a first-time home buyer?
  A first-time home buyer is typically someone who has not owned a home in the past three years. This includes individuals who have never owned a home before.
• Can I qualify for a mortgage if I have a low credit score?
  Yes! With Edge Home Loans, you can qualify with a credit score of at least 580. We also provide guidance on improving your score if necessary.
• What documents do I need to apply?
  You’ll need to provide proof of income, tax returns, bank statements, and information about your debts and assets. Our team will help you gather everything you need.

Why Choose Edge Home Loans?

At Edge Home Loans, we pride ourselves on our commitment to customer satisfaction and our extensive knowledge of the Jacksonville housing market. Our experienced team understands the unique challenges first-time home buyers face and is dedicated to making your home buying experience as seamless as possible.

We’re not just here to help you secure a loan; we’re here to empower you with knowledge and resources that will benefit you long after you’ve closed on your home. Our goal is to help you become a confident homeowner who is excited about your new journey.

Ready to take the next step? Don’t hesitate to reach out to us at (855) 744-EDGE. We’re here to answer your questions and help you get started on your path to homeownership in beautiful Jacksonville.

For more information about our services and other areas we serve, please visit our service areas page. We look forward to helping you make your dream of homeownership a reality!