First Time Homebuyer Program Florida Housing�??s First Time Homebuyer (FTHB) Program offers 30-year fixed rate FIRST mortgage loans to first time homebuyers through participating lenders and lending institutions. However, if you are not a first time homebuyer, you may still be eligible if you are purchasing a home in a federally designated targeted area or are a qualified Veteran. This Program uses income and purchase price limits to determine eligibility. Additionally, a potential homebuyer must complete a 6-8 hour face to face homebuyer education class, be able to qualify for a first mortgage loan, and have a minimum 640 FICO score. To determine if you qualify to participate, please contact a loan officer from approved loan officers. They will be able to determine if you qualify to particpate in the First Time Homebuyer Program and can assist you with any questions you may have specific to your credit history.
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