UBI Equity GroupExplore Florida Homebuying Price-Range Considerations.
Learn which income, debt, down-payment, tax, insurance, and program inputs may affect an educational estimate. A lender determines pre-qualification and final terms.
Broker Guidance. Lender Decisions.
Why Florida Buyers Choose UBI Equity Group
Seven reasons our pre-qual is built differently for first-time buyers.
Guide Without a Credit Pull
Requesting the educational guide does not require a credit inquiry.
Florida Cost Factors
Learn to consider property taxes, insurance, HOA charges, and other location-dependent costs.
Conventional, FHA, VA, USDA
Compare general program features; availability and fit are determined by the applicable lender.
Mortgage Professional
You can request a conversation about the guide and available lender programs.
Rate and Fee Questions
Learn which rate, APR, lender-charge, broker-compensation, and third-party-cost disclosures to compare.
Email Guide
Request the Florida First-Time Homebuyer Guide for delivery by email.
No Obligation
Get the guide, shop houses, decide later. No pressure, no contract until you say go.
Frequently Asked Questions
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 credit inquiry is required to request the guide. A lender may request credit authorization later if you formally apply.
The Florida First-Time Homebuyer Guide is requested for delivery to the email address you provide.
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.
Validity and refresh requirements vary by lender, program, and changes in your financial information. The applicable lender confirms those requirements.
Miami, FL 33174