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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 a FAST 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 a minimum 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 mortgage programs 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!