Welcome to Edge Home Loans in Tampa, Florida

Are you a first-time home buyer looking to make your dream of homeownership a reality? At Edge Home Loans, we understand that purchasing your first home can be both exciting and daunting. Our dedicated team is here to guide you through the process and help you secure the best mortgage options available in sunny Tampa, Florida.

Why Choose Us for Your First-Time Home Buyer Program?

Edge Home Loans specializes in programs tailored specifically for first-time home buyers. Our mission is to provide you with the resources and support you need to confidently navigate the home buying process. Here’s what sets us apart:

• Low Down Payment Options: You can get qualified as a first-time home buyer with as little as 3.5% down.
• Competitive Rates: We offer some of the most competitive rates for first-time home loans in the market.
• Credit Support: Our team will help you understand and meet credit requirements, allowing you to qualify with a credit score of at least 580.
• Quick Closings: We pride ourselves on closing loans in 30 days or less, ensuring a smooth and efficient process.
• Low Fees: We keep our fees low, allowing you to save more on your home purchase.

Understanding the Tampa Housing Market

Tampa, located on Florida’s Gulf Coast, is known for its beautiful weather, vibrant culture, and friendly communities. With an average annual temperature of around 75°F, it’s no wonder so many people are drawn to this sunny city. Whether you’re looking for a charming bungalow in historic neighborhoods like Ybor City or a modern condo with waterfront views, Tampa offers a diverse range of housing options.

Additionally, Tampa is home to a thriving economy, bolstered by industries such as healthcare, finance, and tourism. The city boasts numerous attractions, including the Florida Aquarium, Busch Gardens, and a variety of beautiful parks and beaches. For those who enjoy outdoor activities, the nearby Hillsborough River and Tampa Bay provide ample opportunities for kayaking, fishing, and relaxing by the water.

Common Questions About First-Time Home Buyer Programs

As you embark on your journey to homeownership, you may have some questions. Here are answers to some common inquiries we receive:

• What are the eligibility requirements for first-time home buyer programs?
  To qualify, you typically need a credit score of at least 580 and must meet specific income guidelines. Our team can help assess your eligibility and guide you through the application process.
• How much money do I need to save for a down payment?
  With our programs, you can get qualified with just 3.5% down, making it more accessible for first-time buyers to enter the housing market.
• What types of loans are available for first-time home buyers?
  We offer a variety of loan options, including FHA loans, conventional loans, and VA loans, depending on your needs and qualifications.
• How long does the mortgage application process take?
  We strive to close loans in 30 days or less, providing you with a quick and seamless experience.

Using Our Florida Mortgage Calculator

Not sure how much you can afford? Our Florida mortgage calculator is a fantastic tool to help you estimate your monthly payments and determine your budget. It takes into account your loan amount, interest rate, and down payment, giving you a clearer picture of your potential mortgage.

Explore Tampa’s Vibrant Community

Tampa is not only a fantastic place to buy a home but also a vibrant community with a rich history and culture. The city hosts various events throughout the year, such as the Gasparilla Pirate Festival, which attracts thousands of visitors and locals alike. Additionally, the Tampa Bay Area is home to numerous restaurants, shops, and entertainment venues, ensuring there’s always something to do.

For those looking to explore the area, take a stroll along the Tampa Riverwalk, visit the historic Tampa Theatre, or enjoy a day at the beautiful beaches of Clearwater and St. Pete, just a short drive away. With so much to offer, it’s no wonder Tampa is a sought-after location for home buyers.

Get Started on Your Home Buying Journey

At Edge Home Loans, we are committed to helping you find the perfect mortgage solution tailored to your needs. With our expertise in first-time home buyer programs, we can simplify the process and ensure you feel confident every step of the way.

If you’re ready to take the first step towards homeownership in Tampa, don’t hesitate to reach out. You can apply online or call us at (855) 744-EDGE to speak with one of our friendly mortgage specialists. Let us help you make your dream home a reality!

For more information about our services, visit our service areas page. To learn more about Tampa, check out the Visit Tampa Bay website for local attractions and events.