The First-Time Homebuyer's Guide to Florida

# The First-Time Homebuyer's Guide to Florida Buying your first home in Florida is one of the most exciting — and complicated — financial decisions you'll ever make. This guide walks through every stage. ## 1. Check your credit Most conventional loans require a 620+ FICO. FHA loans go down to 580 with 3.5% down. ## 2. Get pre-approved A pre-approval letter tells sellers you're serious. It's not the same as pre-qualified. ## 3. Understand your budget Budget for taxes, insurance, HOA, and Florida-specific costs like windstorm coverage. ## 4. Shop the loan, not just the rate APR, points, and lender credits all matter. A broker like NexGen Capital shops multiple lenders for you. ## 5. Close smart Read your Closing Disclosure carefully. Rate lock, appraisal, and title are all locked in this stage. Ready to start? [Apply now](https://ngcapital.net) or chat with our AI assistant.