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Orlando First-time homebuyer loans

Smart Loans, Simple Choices

While we specialize in Orlando first-time homebuyer loans, our expert guidance and flexible mortgage options are available to buyers throughout Florida

Get Pre-approved

I want To Buy a House

First-time home buyer Government loans with little to No money down, and looser terms

I want to Refinance

Get matched with over 80 home lenders and guarantee yourself the lowest rate possible

Orlando First-Time Homebuyer Loans – Start With Confidence

Orlando first-time homebuyer loans don’t have to come with confusion or stress. With the right lender by your side, the process can actually be smooth, fast, and even enjoyable. At Roi Homes Realty, we specialize in helping first-time buyers in Orlando find mortgage options that truly fit their needs.

We believe every homebuyer deserves a loan that aligns with both their budget and long-term goals. Whether you’re purchasing your first home or refinancing an existing one, our team is here to simplify the process from beginning to end.

In addition to personalized loan guidance, we offer clear communication and step-by-step support — so you never feel lost along the way. Furthermore, we work closely with trusted mortgage professionals who understand the local market and actively help you secure competitive rates.

Apply for the mortgage loan you deserve

Buying your first home is a major milestone; however, with the right support, it doesn’t have to feel overwhelming. At Roi Homes Realty, we focus on helping first-time homebuyers in Orlando navigate the loan process with confidence. From the very beginning, we walk you through each step, so you always feel informed, prepared, and in control. Whether you’re exploring loan options or getting ready to apply for pre-approval, our team is here to guide you. Ultimately, our goal is to help you make smart, stress-free decisions at every stage of your homebuying journey.

Orlando First-time homebuyer loans and Options

Buying your first home in Orlando? We offer low down payment programs, flexible credit requirements, and local support to make your dream home a reality

CONVENTIONAL LOANS

Common home loans: 620 score, and Down payment as little as 1%

FHA LOANS

For first-time home buyers, 3.5% down payment and looser terms

VA LOANS

Government loans with Zero money down and lower rates

Popular Loans for First-Time Buyers

We use AI and cutting-edge technology to sift through thousands of loan products.

Why Choose Us for Orlando First-Time Homebuyer Loans

Buying your first home in Florida can feel overwhelming—but with Roi Homes by your side, it doesn’t have to be. We specialize in Orlando first-time homebuyer loans, offering a local, personalized approach with access to over 80 lenders to find the best deal for you.

Access to Over 80 Lenders for the Best Rates

Unlike traditional lenders, Roi Homes compares offers from over 80 trusted lending partners. That means we don’t just offer you a loan—we offer you the best loan. By shopping the market for you, we help ensure you get the lowest interest rate, better terms, and more purchasing power.

One Credit Pull, Multiple Offers

Don’t let your credit score take a hit while shopping around. With Roi Homes, one credit pull unlocks multiple offers from top mortgage lenders across Florida. Save time, protect your credit, and gain the leverage you need to make confident decisions.

100% Financing and Low Credit Score Options

Our Orlando first-time homebuyer loans include 100% financing options, making it easier than ever to buy your first home with little to no money down. Plus, we accept FHA and VA loans with credit scores as low as 550, helping more Floridians achieve homeownership without delay.

Free Appraisal Included

Get a free home appraisal when you finance through Roi Homes—saving you hundreds of dollars and giving you added peace of mind during your home buying journey.

Down Payment and Closing Cost Assistance

Don’t let upfront costs hold you back. We offer a variety of down payment assistance programs and closing cost support to make your first home more affordable. We’ll help you find the right grants or lender incentives that match your qualifications.

Down Payment and Closing Cost Assistance

Don’t let upfront costs hold you back. We offer a variety of down payment assistance programs and closing cost support to make your first home more affordable. We’ll help you find the right grants or lender incentives that match your qualifications.

Local, Personal, and Always Available

We’re not just mortgage experts—we’re your neighbors. Based right here in Central Florida, we proudly serve the community with Orlando first-time homebuyer loans tailored to local needs. Want to meet in person? We’re happy to visit you at your home or welcome you to our office.

How to Get Pre-Approved for Orlando First-time homebuyer loans

  1. Apply Online: Our simple online application takes just minutes
  2. Get Pre-approved: know how much you can afford before you start shpping
  3. Close Confidently: We handle everything from application to closing

Want to see what’s possible for you?

Frequently Asked First-time homebuyer loans Orlando Questions

FAQs

What is a mortgage loan?

A mortgage loan is a type of loan used to purchase or refinance a home. The property itself acts as collateral, and the borrower repays the loan with interest over a set period, typically 15 or 30 years.

How much can I borrow for a mortgage?

The amount you can borrow depends on various factors, including your income, credit score, debt-to-income ratio, and the value of the property you wish to purchase. Lenders assess these factors to determine your loan eligibility.

What credit score do I need to qualify for a mortgage?

Most conventional mortgage loans require a minimum credit score of around 620. However, FHA loans may be available with scores as low as 580, and some lenders offer programs with more flexible requirements.

What is the difference between a fixed-rate and adjustable-rate mortgage (ARM)?

A fixed-rate mortgage has a consistent interest rate and monthly payments throughout the loan term. In contrast, an adjustable-rate mortgage (ARM) has a variable interest rate that may change after an initial fixed period, potentially resulting in lower or higher monthly payments.

What is mortgage pre-approval, and why is it important?

Mortgage pre-approval is an evaluation by a lender to determine how much you can borrow based on your financial information. It gives you a clearer picture of your budget and strengthens your offer when buying a home.

What is mortgage pre-approval, and why is it important?

Mortgage pre-approval is an evaluation by a lender to determine how much you can borrow based on your financial information. It gives you a clearer picture of your budget and strengthens your offer when buying a home.

What is private mortgage insurance (PMI)?

PMI is a type of insurance required by lenders if your down payment is less than 20% of the home’s purchase price. It protects the lender if you default on the loan, and it can typically be removed once you've paid down enough of the loan.

Can I refinance my mortgage?

Yes, refinancing allows you to replace your current mortgage with a new one, often with better terms such as a lower interest rate or different loan duration. Refinancing can also be used to access home equity or switch between fixed and adjustable rates.

What are closing costs, and how much should I expect to pay?

Closing costs are fees associated with completing a real estate transaction, including appraisal fees, title insurance, attorney fees, and more. They typically range between 2% and 5% of the loan amount, depending on your location and loan type.

Why Choose Brahim El Hanchi witn Innovative Mortgage?

Brahim's satisfied clients and successful loan closures speak for themselves. With over 20 years of experience in the real estate and mortgage industry and a strong reputation in the community, we’ve built trust by consistently delivering results.

Contact your Local Orlando Mortgage Expert

Have a question about Orlando Home Loans for First-time homebuyers?
Our team is here to help you every step of the way

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