Updated June 2026
Special programs, down payment assistance, and lender offers available right now for Florida home buyers and homeowners. These change frequently — contact Josh to confirm current availability.
⚡ Rates and programs change frequently. Call (813) 285-2904 or submit your info for the most current offers available to you.
Featured Programs
Florida offers several state and federal programs to help buyers get into a home with less money out of pocket.
Provides down payment and closing cost assistance up to 5% of the loan amount (max $35,000) for eligible Florida workers including teachers, nurses, firefighters, law enforcement, and military members.
Eligible Florida veterans can purchase a home with absolutely no down payment and no private mortgage insurance — saving thousands upfront and every month.
Many parts of Florida qualify for USDA rural loans — including areas around Ocala, Gainesville, and the Panhandle. Zero down payment for eligible buyers in qualifying areas.
Select lenders are currently offering credits toward closing costs in exchange for a slightly higher rate — a great option if you want to minimize cash needed at closing while keeping your monthly payment manageable.
Florida homeowners who locked in rates at 7%+ may now be eligible to refinance at significantly lower rates, potentially saving hundreds per month. Josh will do a free savings analysis to see if it makes sense for you.
Through June 30, we will cover the cost of your lender-paid temporary rate buydowns on conventional and government purchases by providing a credit to offset the buydown expense. This allows your borrowers to take advantage of a payment equivalent to an interest rate 1% lower for the first year of the loan — without any additional cost to them or you.
We are now allowing the VantageScore to be used in place of FICO on Conventional loans up to 95% LTV and all VA loans. This opens the door for more Florida borrowers who may have a strong VantageScore but a limited FICO history to qualify for financing.
⚠️ Programs, rates, and eligibility requirements are subject to change without notice and vary by lender, loan type, and borrower qualifications. The incentives listed above are for informational purposes only and do not constitute a commitment to lend. Contact Josh Alvarez directly at (813) 285-2904 to confirm current program availability and your personal eligibility.
Josh will match you with the best available incentive for your situation — free, fast, no pressure.
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