Welcome to Edge Home Loans: Your Trusted Partner for First-Time Home Buyer Programs in Lake Mary

Are you ready to take the exciting step of buying your first home in beautiful Lake Mary, Florida? At Edge Home Loans, we understand that this journey can be both thrilling and overwhelming. Our dedicated team is here to guide you through every step of the mortgage process, offering personalized assistance tailored to your unique needs. With a variety of first-time home buyer programs available, we make it easier for you to achieve your dream of homeownership.

Why Choose Lake Mary for Your First Home?

Lake Mary is a charming city located in Seminole County, known for its friendly atmosphere and vibrant community. With a population of around 16,000, it offers a perfect blend of suburban comfort and urban convenience. The city boasts excellent schools, beautiful parks, and a range of shopping and dining options, making it an ideal place for families and young professionals alike.

The weather in Lake Mary is typically warm and sunny, with an average temperature of 72°F. This pleasant climate allows residents to enjoy outdoor activities year-round, from relaxing at Central Park to exploring the nearby trails. Plus, with its close proximity to Orlando, you can easily access world-class attractions like Walt Disney World and Universal Studios, making Lake Mary a fantastic place to call home.

Our First-Time Home Buyer Programs

At Edge Home Loans, we specialize in providing first-time home buyers with the resources and support they need to navigate the mortgage process confidently. Here are some of the key features of our first-time home buyer programs:

• Get Qualified with Just 3.5% Down: Our programs allow you to secure a mortgage with a minimal down payment, making homeownership more accessible.
• Low Rates for First-Time Home Loans: We offer competitive interest rates to help you save money over the life of your loan.
• Assistance with Credit Requirements: Our experienced team will help you understand and meet the credit requirements necessary to qualify for a mortgage.
• Close in 30 Days or Less: We pride ourselves on our efficiency, ensuring that you can move into your new home quickly.
• Qualify with a Minimum Credit Score of 580: If you have a credit score of 580 or higher, you may be eligible for our first-time home buyer programs.

Understanding Your Financing Options

Buying your first home is a significant financial commitment, and understanding your options is crucial. Our team at Edge Home Loans is equipped to help you explore various mortgage types, including:

• Conventional Loans: These loans are not insured by the government and typically require a higher credit score.
• FHA Loans: Backed by the Federal Housing Administration, these loans are ideal for first-time buyers due to their lower down payment requirements.
• VA Loans: If you’re a veteran or active-duty service member, you may qualify for a VA loan, which offers favorable terms and no down payment.

To get started, use our Florida mortgage calculator to estimate your monthly payments and understand what you can afford. This tool is designed to give you a clear picture of your financial situation, helping you make informed decisions.

Common Questions About First-Time Home Buying

As you embark on this journey, you may have questions about the process. Here are some common inquiries we receive:

• What is the first step in the home buying process? The first step is to get pre-approved for a mortgage. This will give you a better idea of your budget and strengthen your position when making an offer on a home.
• How much do I need for a down payment? With our first-time home buyer programs, you can qualify with as little as 3.5% down, making homeownership more attainable.
• What if I have a low credit score? While a credit score of 580 is required for our programs, we can help you improve your credit and guide you through the necessary steps to qualify.

Why Choose Edge Home Loans?

At Edge Home Loans, we pride ourselves on our commitment to providing exceptional service and expertise. Our team has extensive experience in the mortgage industry, allowing us to offer tailored solutions that meet your needs. We understand that every client is unique, and we work diligently to ensure a smooth and stress-free experience.

Lake Mary is home to a variety of businesses and amenities, including the popular Lake Mary Plaza and the Lake Mary Farmers Market, which takes place every Saturday. This vibrant community spirit is something we cherish, and we are proud to contribute to the home-buying journey of our fellow residents.

Ready to take the first step towards homeownership? Don’t wait any longer! Apply online today and let Edge Home Loans help you make your dream of owning a home in Lake Mary a reality!

For more information on our services, visit our service areas page or learn more about Lake Mary here.