Welcome to Edge Home Loans: Your Trusted Partner for First Time Home Buyer Programs in St. Petersburg, Florida

Are you dreaming of owning your own home in beautiful St. Petersburg, Florida? At Edge Home Loans, we specialize in helping first-time home buyers navigate the exciting journey of purchasing their first property. With a range of tailored programs designed to meet your unique needs, we make homeownership achievable with just a 3.5% down payment.

Why Choose St. Petersburg for Your First Home?

St. Petersburg, affectionately known as “St. Pete,” is a vibrant city located on Florida’s Gulf Coast. With its stunning beaches, warm weather, and a rich cultural scene, it’s no wonder that many first-time home buyers are drawn to this charming locale. Here are a few interesting facts about St. Petersburg:

• The city enjoys a warm, subtropical climate, making it perfect for outdoor activities year-round.
• St. Pete is home to the Salvador Dalí Museum, which houses the largest collection of Dalí’s works outside of Spain.
• The city is known for its beautiful waterfront parks and a thriving arts scene, including the famous First Friday Art Walk.

Whether you want to explore local shops, dine at waterfront restaurants, or enjoy the arts, St. Petersburg has something for everyone. Plus, with nearby attractions like Fort De Soto Park and the stunning beaches of Pass-a-Grille, you’ll never run out of things to do!

Our First Time Home Buyer Programs

At Edge Home Loans, we understand that buying your first home can feel overwhelming. That’s why we offer various programs specifically designed to assist first-time buyers like you. Here’s what you can expect:

• Low Down Payment Options: Qualify for a mortgage with as little as 3.5% down, making it easier to step into homeownership.
• Competitive Interest Rates: We pride ourselves on offering low rates for first-time home loans, allowing you to save money over the life of your mortgage.
• Credit Assistance: Don’t let credit requirements hold you back. We help you understand the credit score needed to qualify—starting at just 580!
• Quick Closings: We know you’re excited to move into your new home, which is why we aim to close your loan in 30 days or less with low fees.

Common Questions About First Time Home Buyer Programs

As you consider taking the leap into homeownership, you might have some questions. Here are a few common inquiries we receive:

• What is the minimum credit score required? You can qualify for our first-time home buyer programs with a credit score of at least 580.
• How do I calculate my mortgage payments? Use our Florida mortgage calculator to get a clear picture of your potential monthly payments.
• Are there additional fees involved? We strive to keep our fees low and transparent, so you can focus on finding your dream home.

Why Work With Edge Home Loans?

Choosing Edge Home Loans means choosing a team that is dedicated to your success. Our experienced professionals are here to guide you every step of the way. We take the time to understand your financial situation and tailor our services to fit your needs. Our commitment to our clients has made us a trusted name in the St. Petersburg area.

As a Florida-based mortgage firm, we understand the local market and can provide insights that help you make informed decisions. We believe in building lasting relationships with our clients, ensuring that you feel supported throughout the entire home buying process.

Get Started on Your Home Buying Journey Today!

If you’re ready to take the first step toward homeownership, Edge Home Loans is here to help. Our first-time home buyer programs are designed with you in mind, providing you with the resources and support you need to make your dream a reality. Don’t wait any longer; your future home in St. Petersburg awaits!

To learn more about our services or to apply online, click here or give us a call at (855) 744-EDGE.

For more information about our services in your area, visit our Service Areas page. Interested in learning more about St. Petersburg? Check out the St. Petersburg city page for additional insights and resources!