UBI Equity GroupBuilt for first-time Florida buyers. Skip the credit-pull anxiety and the paperwork shuffle. Answer a few quick questions and get our free Florida First-Time Homebuyer Guide.
Opening Doors. Closing Loans.
Step 1 of 9 — no credit pull, no SSN.
Getting Started
Seven reasons our pre-qual is built differently for first-time buyers.
We use a soft snapshot — your FICO score stays untouched until you're ready to formally apply.
Pricing, taxes, HOA, and insurance baked in by county. Florida is its own beast — we treat it that way.
Every major loan type compared on your behalf so you see the best fit before you commit.
One human guides you start to finish. No call-center handoffs, no "your assigned rep is out today."
You see the actual rate, APR, and fees. No bait-and-switch teaser numbers.
The Florida First-Time Homebuyer Guide lands in your inbox right away. We respect your closing timeline.
Get the guide, shop houses, decide later. No pressure, no contract until you say go.
Everything Florida first-time buyers ask us before they download the guide.
Pre-qualification is a lender's informal estimate of how much you can borrow, based on income, debt, credit range, and down payment. It's the first step before a full pre-approval and gives sellers confidence you're a serious buyer.
No. Our 60-second pre-qual uses a soft snapshot — there's no hard inquiry, no impact on your FICO. A hard pull only happens later when you formally apply for the mortgage and authorize it.
Right away. The Florida First-Time Homebuyer Guide is emailed to you instantly after you finish the questions above.
For the free guide, nothing — just the questions above. When you later progress to pre-approval, a lender will typically request: 2 recent pay stubs, last 2 years W-2s or tax returns, 2 months of bank statements, and a copy of your ID.
Florida has the same federal minimums as everywhere else: 3% for Conventional 97, 3.5% for FHA, 0% for VA and USDA (where eligible). Florida-specific down-payment-assistance programs can stack on top.
FHA is usually friendlier for credit under 680 and accepts higher debt-to-income ratios, but charges mortgage insurance for the life of the loan. Conventional is cheaper long-term if your credit is 700+ and you can put 5% or more down. The free guide walks through both side-by-side.
Yes. Florida Housing's Hometown Heroes, FL Assist, and HFA Preferred programs all offer down-payment and closing-cost assistance that pair with FHA loans. Eligibility depends on county, profession, and income — the guide explains how each program works.
Typically 60–90 days once you complete one with a lender. If you haven't found a home by then, a quick refresh is usually all it takes.