Yes, you can buy your first home. I'll guide you every step.
Buying your first home is a big deal. It's okay to have a lot of questions. I'll explain everything in plain English, help you find programs you may qualify for, and stay with you from your first question to closing day.
What to expect, step by step
Talk
Book a 30-minute call. Tell me your goals, your timeline, and what's worrying you. No question is too basic.
Plan
We look at your income, credit, and savings together, so you know what you can comfortably afford and which programs fit.
Pre-Approve
You get a strong pre-approval letter so sellers and Realtors take your offer seriously, in as little as 24 hours once your documents are in. Every pre-approval comes with a call and an email walking you through your loan options, down payment and estimated monthly mortgage payment.
Shop
I work alongside your Realtor, update your letter for each offer, and answer questions as they come up. I’m available weekdays and evenings until 7 pm, and on weekends during open houses.
Close
I stay on top of every detail through underwriting and keep you updated, so closing day is about getting your keys.
Help with your down payment may be available
Many buyers don't realize they may qualify for help. I'll check which programs fit your situation.
Florida Hometown Heroes
A Florida Housing program that offers down payment and closing cost assistance to eligible buyers employed full-time by a Florida-based employer as a health care worker, school staff member, first responder, public safety or court employee, or child care worker, plus eligible servicemembers and veterans. Income and other limits apply.
Funding opens and closes. Check current availability with me.
Florida Housing programs
Other Florida Housing Finance Corporation programs may help with down payment and closing costs for eligible buyers. Eligibility rules apply, so ask me which ones you may qualify for.
County & city programs
Many Florida counties and cities have their own assistance programs with their own rules and timelines.
All loans subject to credit approval, underwriting guidelines, and program availability. Not all applicants will qualify. Down payment assistance programs have income, purchase price, and other eligibility limits and are subject to funding availability.
Common first-time buyer questions
Is my credit good enough?
Maybe more than you think. Different loan programs have different guidelines. If you're not there yet, I'll help you make a plan to get there.
How much do I need saved?
It depends on the program, the price, and whether you qualify for assistance. We'll go over down payment, closing costs, and reserves together so there are no surprises.
What does pre-approval mean?
A lender has reviewed your income, assets, and credit and shown how much you're likely to qualify for, subject to final underwriting. It makes your offers stronger, and it can take as little as 24 hours once your documents are in.
Should I buy a condo?
Condos can be a great first home in South Florida, but the building has to meet lender guidelines. I'll help you check that early.
Your Free South Florida Homebuyer Starter Kit
Plain-English worksheets to help you get ready at your own pace.
- "Am I Ready?" Checklist: credit, savings, and documents, in one page
- Monthly Budget Worksheet: find a comfortable price range before you shop
- Document Gathering List: exactly what lenders ask for, so nothing slows you down
- Florida Down Payment Assistance Guide: the programs to ask about, including Hometown Heroes (check current availability)
- South Florida Condo Buyer Tips: questions to ask before you fall in love with a unit
“As a first-time homebuyer, it was reassuring to work with someone so knowledgeable and trustworthy.”
“She explained everything clearly, stayed on top of every detail, and made what could have been a stressful experience feel smooth and manageable.”
“We always felt supported and confident knowing that she was there to help us.”
Ready to take the first step?
Start with a simple, no-pressure conversation. We'll figure out where you stand and what comes next.
Get Pre-Approved opens my secure online application portal in a new tab. Or get a custom quote first.
Call or text 954-990-3163 · Office 561-266-2621 · brittanny.ferguson@libertyml.com