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.
We cover the buydown cost so your borrower gets a payment equivalent to a rate 1% lower in year one — no extra cost to buyer or agent.
VantageScore now accepted in place of FICO on Conventional up to 95% LTV and all VA loans — more buyers can now qualify.
Up to $35,000 down payment & closing cost assistance for eligible Florida workers.
Eligible Florida veterans — $0 down, no PMI, competitive rates. You earned this benefit.
Zero down for eligible buyers in qualifying Florida areas — Ocala, Gainesville, Panhandle and more.
Locked in at 7%+? Free savings analysis — no obligation to proceed.
.500pt improvement on loan amounts ≥ $1.5M — Access & Elite products, new locks only.
.750pt improvement for FHA with FICO 720+. Excludes ARMs, High Balance, and FHA Streamline.
Select lenders offering credits to minimize cash needed at closing in exchange for a slightly higher rate.
⚠️ 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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