The program offered through Florida Housing Corporation offer down payment and closing cost assistance utilizing a second mortgage loan to assist homebuyers with closing cost and down payments. The repayment of the 2nd mortgage is derferred, except if the homeowner sells, transfers, or refinancing of the property at which time the loan becomes payable in full.
WHO IS ELIGIBLE
A first-time homebuyer who has NOT owned a home or co-signed a mortgage within the past 3 (three)
years.
Qualifying consumers must be a first-time homebuyer, which is defined as a person(s) who has not had
an ownership interest in a primary residence (whether individually or jointly) during the previous three
years; and plan to occupy the home as their primary residence.
CREDIT SCORE
Applicant(s) must have a minimum fico mid-score GREATER than 640.
INCOME LIMITS
The applicants total household income CANNOT exceed the following Household Size Max Income limits:
Non-Targeted Areas Targeted Areas
1-2 Person(s): $ 63,900 1-2 Person(s): $ 76,680
3 or more Persons: $ 73,485 3 or more Persons: $ 89,460
*For Orange, Seminole, Lake & Osceola Counties
PURCHASE PRICE LIMITS
The maximum contracted home purchase price (contract sales price) CAN NOT exceed the following limits
and may be subject to the applicable FHA/ VA limits.
Non-Targeted Areas Targeted Areas
$ 271,164
*For Orange, Seminole, Lake & Osceola Counties
Targeted Areas
$ 331,423
*For Orange, Seminole, Lake & Osceola Counties
MORTGAGE PRODUCTS
FHA, VA, or USDA
ELIGIBLE/ INELIGIBLE PROPERTIES
The property must serve as the first-time homebuyer’s principle residence, and must include one of the following housing types:
Eligible
Single Family
Townhome/TownHouse
Condominium "Condo"
Duplex
PROGRAM BENEFITS
105% Financing available
No Intangible Taxes
No Doc Stamp Fees
Up to $7,500 is available in Down-Payment Assistance (DPA) and/or Closing Costs Assistance.
NOTE: The DPA provided is an Interest Free (0%) loan, payable at the end of 30-years. If the home
is sold, refinanced or the borrower fails to occupy the home as their primary residence prior to 30-years,
repayment of the total DPA loan amount is required.
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Take number two. Hello again, my name is
Brenden, I'm with The Homes In Orlando Team
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at NextHome and with me today is Kevin
Murphy from Waterstone Mortgage. Morning
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everybody.
We're here today to talk about
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downpayment assistance and what we're
going to do is go over one program that
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works very well for people out there, and
Kevin, you've actually had the
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opportunity to work with a very similar
program yourself, with your wife in the
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purchase of your home. That is correct so
last year I did utilize a program through the
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florida housing. Fantastic, so we've got someone
who has actual experience is not only an
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approved lender with the program but
also has had personal experience of
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going through the program. So hopefully
if you have any questions that
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experience we'll be able to explain to
you some of the things that he experienced
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going through the program all right. What
I want to concentrate on today is we're
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going to stick with government loan
program that's FHA, VA, and USDA. Alright,
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let me grab a marker. Now the program we're going to
talk about is the Florida Assist Second
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Mortgage Program.
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Kevin, why don't you give us a couple highlights of this program. A couple good highlights
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are that you'll be getting up to $7,500
so in assistance so in the form of a
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second mortgage is going to sit behind 0% interest so
essentially loans for you to purchase
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home. Now when you look at $7,500, what
that means to a typical family is, in a loan
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of roughly say $250,000, it can pretty
much cover their closing costs, That's
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correct. With this program you're going to
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want to have down payment or the closing
cost, it essentially one of the two so
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if you've been able to you and this is
assistance getting it over that hump
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instead of asking a seller to contribute
to your closing costs, that this would be
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one of the things that you could use to
overcome and come in with a stronger offer.
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that's an excellent point because the strongest market
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today it's still in that market below of
$300,000, because that's where 80% of the
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people are so if you're in a market if
you're in a situation where you're in
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multiple offers but you need closing
costs. this down payment of $7,500 can
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take that off the table and now you can
come in and if you need to possibly a
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full price offer knowing that you still
got $7,500 to pay all of your closing
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costs. And that's a great way to look at
it. Now this program is available where?
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It's available all throughout the State
of Florida. So specifically, obviously, the
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areas that we're in is definitely
available an Orange, Seminole, Osceola
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Lake, Volusia. Which is a little majority
of looking. It does statewide in every
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county. Okay,now they've put some guidelines on the
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income, correct? That's right. Okay so
we're going to take a look at Orange was
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it Orange County. Orange,
Seminole, Lake, Osceola, Volusia
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itself has a little bit of a difference.
Okay, so these these are this these four
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are actually grouped together and
they're actually pretty much processed
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through the same place with the same
guidelines. That correct? Through the same
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guidelines. Okay, so if there are
statewide guidelines so just make
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adjustments okay. Now with the government
loan when we're talking about a
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government loan we actually mean FHA
USDA and VA loans, correct? That's correct.
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Okay, nice thing, VA if you're a veteran
mostly you know that you have 100%
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financing so if you've got this $7,500
you as a veteran truly can get into a
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home with no money out of your pocket
USDA again is another 100% program.
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Don't see so much Orange, Seminole,
Osceola. They just redid the maps in
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thing and so we're looking more than if
you're looking at areas like Volusia. So
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would be a great area and some of them
are farther out areas okay. All right so
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that is another 100% program.
Again, with $7,500 if you're approved
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with the USDA you're looking at possibly
coming out of pocket with no money. First,
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of all that's pretty amazing.
Then our FHA, of course, that's 3.5%
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down. This okay fantastic. So
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those that's what we're concentrating on.
Now income wise, for these what is the
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limit of income? So with these so it's
going to be a household income so if you
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are married so not married but you're
living in and buying together so you
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were going to be capped off with maximum
the yearly of $63,900 dollars.
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So and that's actually for a household
of one or two if you're a household of
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more so you've got a child was at the
house, 3 or 4 that number
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does go up just a little bit and it does
go to $73485 dollars. When you're really going
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to want to get in front of a lender. if you had an opportunity see
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our last video the $63,900, is pretty much
median income in Orange, Seminole, in
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other areas and we calculated based on
current rates you're with average
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average debt ratio you're probably
looking at about a $275,000
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purchase. Obviously,
right in that ballpark. Now there's
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this is just have a limit on the
purchase price? So, it actually does so
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your max purchase price is going to be
$271,000
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dollars. so we'll say okay so
$271,000, is your max
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purchase. Excuse my penminship. So for people
on this income that's that is a typical home purchase
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when you're out there one important
thing is to always understand what your
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limits are. So that you can work with us
and with a lender. Okay, I'm going to be
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utilizing this program I can search for
homes up to $271,000. Alright, you can
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actually go a little bit higher because
you know there's usually a little bit
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negotiation room in there so maybe you
say you go to $275,000, but you want to work
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with Kevin or you know another approved
lender. there's only 3 or
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4, there's not very many
who actually are actually approved for
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this program. You know there are those
training that we go through to become
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licensed and have the ability to originate these loans
in the State of Florida. They don't let
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just everyone go out and
okay so we've got our got our basic
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guidelines. Alright, we're going to be
looking at a home upto about $271,000
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in Orange, Seminole, Lake, and Osceola
County. Volusia, it's a little bit lower?
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That's correct. so that you were looking
at in Volusia County
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so that purchase price kind of being
there just a touch more so but here
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you're income with so it's really
really not too much of a difference. There's very
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small gap. Now another important thing to know about
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this is if we're using one of the
government programs okay. One of the FHA,
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USDA or VA. What type of home
qualifies for this program? So you're the
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most confident that once again good
see the most are going to be a
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single-family home so which is a single unit residency and then an attached
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townhome. There is the ability
to do condo. However, they're going to
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have to be approved ahead of time and with FHA condos
in this area it is it is very limited so
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what you can do. But again that's
something that you could find I mean you
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even by searching online, again FHA
approved condos you look inside the
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county you're trying to be in I think
the last time I looked in Seminole County had 2 and Orange County
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there's a business great there's a big
list a lot of your expired or just never
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finish the approval process soyou are
really limited with condos. The vast
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majority of what we would be trying to
do would be either a single family home or a townhome
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That's with the
government programs because with $271,000 and below
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condos become very attractive.
It really did so we have we can we can
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address that with a little bit different program. Okay now
we know we gets $7,500 we're at the
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$271,000. We can go after single-family,
townhomes. With the government programs
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Alright, now as a borrower there are
always credit questions. Where do they
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have to be creditwise. With these
loans you're going to need a minimum of
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640 credit scores, and that really is for
most average people, you're going to be
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there. And with these loans we do find
that if your in that 640 range that
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it's fairly easy to get you approved. And with the processing,
another thing is processing time
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because a lot of people are familiar
with a SHIPP program and the paperwork on
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that is a headache, absolutely. How does this differ from the
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SHIPP program and I know you're laughing about that. I could see how much fun
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there laughs. I've never originated this
your program and I will never originate
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like SHIPP. again just personal preference
on my end but this is no different than a
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typical FHA loan. so in the amount of
time that it takes to actually get in do
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the paperwork and reserve this I'm
fine. Nothing that you would ever see
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but giving loans closed in as little as
30 days. Question: How much money should someone
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have saved? Can you buy a house with 0 money? A great question. So it's gonna depend on
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the loan program that you have so that
FHA is gonna require minimum downpayment
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of three and a half percent so there
could be down payment so but there is
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possibility to buy with zero money again
if you look it more like the USDA, which
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will be restricted geographically in the
areas that are both USDA approved and
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then if you are better so if you have
better benefits so that is another way
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to look at having no money. There's
essentially no money out pocket. USDA
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if you want to if you inquire of what
areas you have to go to the USDA site
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and they have an address finder. Where
you type in the address of a property
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and It will tell you whether or not it's
inside the USDA's
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letting district. Right now quite a bit of
Volusia County, Deland, Debary, Orange City.
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It's easiest to figure out USDA if
there's a not a lot of people living in
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and around the area well we're gonna be
you as usual and USD really just stands
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for its her role so here if you looking
in your not long a lot of neighbors
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don't mind living outside of like more
populated urban centers and easiest way
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to really do that go on your computer so
look up a search and just search USDA
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eligibility map and they'll be a place
where you can add an address you don't
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see and you can look at a map it is
clear as day the area it is street by
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street so you could live on one side of
the street it could be USDA eligible the
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other side of the street where it could
not be USDA and actually have that
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happen recently yep so hope that answers
your question other things now how is
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this how is this show to the buyer as
far as it is a second mortgage okay so
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explain how that that's it's really
another housing us on all your paperwork
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it's just going to show $7,500. So this
is what's called a silent second
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mortgage. So the silent second
mortgages, it is a mortgages that sits silently back
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behind your initial mortgage. So you have a
mortgage for the purchase price of the
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home and then back behind it
was called silent second mortgage. So it
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and that loan just quietly sits fine, so
and this is really for lack of it or not
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what it is is a interest rate loan for
as long as you own this home. and so our
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interest rate is actually 0%. Correct.
There's no interest. So you never pay any interest on that home?
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On the $7,500!
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If you do decide to sell
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them home say in 8 years,10 years,
that $7,500?
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It's just added on as part that would be
part of your closing cost later on.
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You sell the home later you would have
to reimburse the State of Florida $7,500
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or the Florida Housing Finance
Corporation the $7,500 dollars. That they have
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really giving you as an interest-free
loan for as long as your home. So we hit
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I think most of the major things. I
think a big thing for us to know - is
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this really is a first-time homebuyer
program and the definition of first-time
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homebuyer. You can have owned never owned
a home before and still be considered a
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homebuyer as long or first-time
homebuyer as long as you have not owned
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a home within the past 3 years. so we
will be collecting tax returns to prove
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this so to make sure that you have not
had interest in a home. So if you had
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been on somebody else's title and ever
been listed as a home within the last
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three years that that really affects
your eligibility for this program.
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Are there any points that we're missing right now?
Because it to me it's it's a really good
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program and I find that a lot of people are hesitant to
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make that jump in purchasing a home
because when you look at itand you see FHA
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at about three and a half percent down,
my closing cost roughly around about
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three percent you know all sudden you're
looking at maybe having to come up with
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you know on a $200,000 house $13,000 to $14,000 thousand dollars to
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get into the house. You know it's held a
lot of people back and I think one thing
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you enjoy and I enjoy is helping people get
into the house, when they think they can't
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Absolutely, the best part of our job
first-time homebuyers because you're
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ready to listen them and have questions
and then are really concerned and it is
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it's great the success stories and
getting people that thought they would never own a home or the money to do it
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minutes I love my job
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Now one thing I think after tell people
is don't be afraid to ask questions! We
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want to be your resource that's why
we're doing this. Is so that we can teach
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you. We feel a lot of stuff today
people aren't teaching. How to
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process a personal loan and I know
you've done this with your clients and
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I've done this with my clients. I've had
clients was taken a year, a year and a
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half to get them into position the purchase their
home. But you got to have a rode map and
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that's what we do as a team. Because it
is truly team in the purchasing process, you
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have when you have your realtor, you have
your mortgage company, we work with a
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couple credit repair companies that will
help you repair the credit. So we can get you
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to at 640. Because every
time we can get you up a little bit higher
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Your credit score, can see on your interest
rate alright. So don't ever be afraid to
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ask questions and ask can you help. We
always happy to help. I love mortgage
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consultations and I can't tell you as long
as you're willing to listen and there's
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a the heed advice and take the advice
that yeah if you're not at the point
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where you can purchase today so but we
can show you how to do it in three
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months six months nine months. Not only does it
give you time to potentially save a
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little bit more money to and you're
needing it for your downpayment, now we can go
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ahead and show you well this is what's
wrong right you may think that there's
191
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something wrong happening we can jump in
we can pull your credit we can look at a
192
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report go over with you and maybe it's
on your what are you thinking so and
193
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that's what we find in so many cases
194
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credit-card bill that is a little to high,
and we need you to pay that down it and
195
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give your credit just an opportunity to
reflect that so again it was let's just
196
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run through the highlights of the
program. okay it is the second mortgage
197
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no interest,no interest, $7,500
they can be used for down payment or
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closed cost. Correct, it just
gets at taking out of your total cash
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statewide and another thing that we like
about this program as opposed to some of
200
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their county ones is that there's not a
limit on the fun this is just a program
201
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that's okay that's good
202
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the state of Florida does want to
help so and and there's two there was
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another there's another program that
will run out of money and that's some of
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00:19:49,740 --> 00:20:00,650
the heartache you hear but this
one is credit score we need 640
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we can use them with FHA, VA, or USDA
loans. Anything else Oh purchase pricing
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go up to $271,000 there's an income
restriction but work glad to help you
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00:20:23,749 --> 00:20:27,649
and figure that out and make sure that
you're going to I think there was one
00:20:27,649 --> 00:20:31,610
other thing about to talk to if you do
not have access to that money for a down
00:20:31,610 --> 00:20:33,679
payment
you've got a family member that's
00:20:33,679 --> 00:20:38,419
willing to help out so you can actually
be gifted so upon those folks program to
00:20:38,419 --> 00:20:42,409
qualify so if you've got a mom dad
brother sister aunt uncle grandmother
00:20:42,409 --> 00:20:47,720
grandfather that was the best interest
they can give to the funds so that would
00:20:47,720 --> 00:20:51,470
be actually another way to come out of
pocket no money I know that all of us
00:20:51,470 --> 00:20:59,950
are in situations like that but that
situation does speak you so we are I
00:20:59,950 --> 00:21:04,340
think that's it I think we've hit all
the points if you have any questions
00:21:04,340 --> 00:21:09,230
feel free to give myself a call at four
oh seven seven one zero eight seven two
00:21:09,230 --> 00:21:15,710
zero okay you can be reached at 4:07 six
four five six three five zero
00:21:15,710 --> 00:21:21,379
I love mortgage consultations please
give me a call and relax and answer any
00:21:21,379 --> 00:21:24,980
and all of your questions
we're here to help thank you for your
00:21:24,980 --> 00:21:28,480
tractor I'll
