Bold
Mortgage
Free Resource — Instant Download
Florida
First-Time
Home Buyer
Guide
Everything you need to know to buy your first home in 2026 —
including how to negotiate a lower rate or get the seller to pay your closing costs.
📄 What's inside the guide
- 9-step home buying roadmap from credit check to keys
- All loan programs — FHA, VA, USDA, HomeTown Heroes
- Real cost breakdown for a Florida purchase
- Permanent rate buydown strategy with real numbers
- The 2/1 Buydown — save up to ,944 in 2 years
- 3 negotiation scripts your agent can use immediately
- Pre-approval document checklist (W-2 & self-employed)
3.5%
Min Down
FHA
5K
Max DPA
HomeTown Heroes
580
Min Credit
Score FHA
0%
Down
VA / USDA
WL
William A. Ledesma
Florida Licensed Loan Officer · HomeTown Heroes Specialist
Bold Mortgage · NMLS# 386834
(786) 613-4453