Are You A First Time Home Buyer?

(904) 513-8000

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The Lowdown on First Time Home Buyer Loans...

First Time Home Buyer

We Offer a Variety of Low & No Money Down Mortgage Programs in Florida

Are you a First Time Home Buyer and want to buy a home but have little money to put towards a down payment or closing costs? At Carbon Capital we have a low down payment mortgage solution that may work for your situation.

Call us today at (904) 513-8000 for a free consultation or complete aFAST PREQUAL FORM.

Below are some of the most popular mortgage loan options we offer:


Developed for low to moderate income borrowers.Minimum of 3% down required. Funds may come from gift funds if you have no money down. Minimum credit score of 640.

Home Possible Advantage

Similar to HomeReady. This program requires aminimum of 3% down. 30 year fixed rate mortgages. Down payments can come from variety of sources including family members, or an employer-assistance bonus.

VA Loans

$0 down mortgageprograms for eligible military veterans, active duty personnel, and surviving spouses. Credit requirement less strict than conventional loans. Seller paid closing costs are allowed.

FHA Loans

3.5% down payment required. Credit score requirements down to 580 scores, lower than most conventional financing solutions.

Not sure which low or no money down mortgage program is right for you? Call Today!

Why a First Time Home Buyer Loan?

A FTHB loan offers lower down payment options than other traditional conventional or government back loans do. Furthermore, they are not always the best fit for a buyer but sometimes they are a good fit from time to time. Finally, please reach out to us to speak to a mortgage specialist about your goals so we can help set you up for success!

  • HomeReady & HomePossible
  • 3% – 5% down options available
  • Cancellation of mortgage insurance
  • No funding fees or underwriting fees
  • No application fees or income limits
  • No geographic restrictions
  • Refinance flexibility
  • Primary residence only options

Get Your FREE First Time Home Buyer Mortgage Quote Now!

What Our Clients Are Saying

Han Fan
Han Fan

01:46 21 Mar 19

Me and my wife apply for mortgage back in August 2018.. the process is really smooth. very knowledgeable and willing to explain. Fast response time. I would give more than 5 star if I could.

Keith U
Keith U

16:03 14 Mar 19

Hands down the best mortgage broker in Jacksonville. Using Carbon Capital we were able to prequalify and place a bid on our first home in a matter of hours. Andrew went out of his way to explain everything and make sure we understood the mortgage process in simple terms. Casey and Kelly were able to answer all of our questions. They even answered our emails during the weekend and outside office hours. That is great customer service!

Rebecca Richey
Rebecca Richey

15:14 09 Jan 19

We have had an amazing experience working with Andrew, Casey and Kelly with Carbon Capital. They have been on top of everything to ensure we have had a very smooth closing. We are so pleased with their response time and professionalism throughout this entire process. Great job!! Thanks!!

Nicole Coburn
Nicole Coburn

11:07 16 Nov 18

Andrew/Kelly/Ross all gave exceptional performances during our home buying process. I highly recommend Carbon Capital if you are in the market. They made buying our home a breeze. The processes that they have in place are seamless and easy to use and give full details of everything that you may have a question about. Always promptly returned phone calls and took real patience and care which is outstanding with my anxiety through the whole thing. Thanks for everything you do. Client for life.

Susan Brennan
Susan Brennan

07:37 11 Oct 18

If you're in the market to purchase a home, I highly recommend Carbon Capital. We received professional and timely answers to our many questions and scenarios. Kelly is just the epitome of patience and very knowledgeable with regard to all types of mortgages. Being somewhat of a "commitment-phobe," the idea of a 30-year mortgage really drove my anxiety during the home buying process. It was reassuring to know that any questions or concerns would be quickly addressed by Kelly or Andrew with either a phone call, e-mail, or text. The personal service we received was second to none. In the end, I believe we got the best available rate and terms and found the entire process quite seamless thanks to Carbon Capital.

Stephen Sapp
Stephen Sapp

12:36 04 Oct 18

I've bought, sold, and refinanced houses over the years a number of times. I've never had the mortgage process go smoother than it had with Carbon Capital. Andrew and Kelly are fantastic! They explain everything in plain english. They're extremely responsive to questions via email or telephone. When I buy, sell, or refinance in the future, I won't have to do any shopping around; I will just make a call to Carbon Capital. Thanks Andrew and Kelly!!!