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Find First-Time Home Buyer Specialists in Palatka, FL

Compare first-time home buyer specialists in Palatka. Review contact information and insurance categorys before you decide.

12 agents listed
Updated June 2026
Palatka, FL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the State Mortgage Licensing Authority of Florida before hiring.
Showing 12 first-time home buyer specialists in Palatka, FL Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Coldwell Banker Ben Bates Inc., Realtor
3400 Crill Ave #1, Palatka, FL 32177
(386) 328-6716 benbates.com
Timber To Tides Realty, Kassidy Babcock, Realtor
115 N 2nd St, Palatka, FL 32177
(386) 643-8962 klosingwithkassidy.com
iHeart Realty, Inc.
423 St Johns Ave Suite 2, Palatka, FL 32177
(386) 546-8571 iheartrealtyinc.com
Duck Realty, Inc.
625 Laurel St, Palatka, FL 32177
(386) 325-1440 duckrealtyinc.com
Neal Brown, REALTOR® with iHeart Realty, Inc.
423 St Johns Ave Suite 2, Palatka, FL 32177
(904) 699-5412 nealbrownrealtor.com
Koi-marie Davis - REALTOR
423 St Johns Ave, Palatka, FL 32177
(386) 265-8466 iheartrealtyinc.com
Tina M. Arant, Timber to Tides Realty
115 N 2nd St, Palatka, FL 32177
(386) 983-2617 aranthomesfl.com
Shelly Griffis, Realtor-Putnam County Florida
717 St Johns Ave, Palatka, FL 32177
(386) 937-1044 shellygriffisrealtor.com
Chase Barnes - Realtor
3400 Crill Ave #1, Palatka, FL 32177
(386) 385-4404 chasebarnesrealtor.com
Better Homes and Gardens Real Estate Lifestyles Realty
108 S 2nd St, Palatka, FL 32177
(833) 765-3244 bebetterflorida.com
Margaret Zahner Realtor
3400 Crill Ave, Palatka, FL 32177
(386) 336-1263 margaretzahner.com
DouglasBrownRealtor
3400 Crill Ave, Palatka, FL 32177
(386) 336-5560 douglasbrownrealtor.com

A first-time home buyer specialist in Palatka Florida can guide you through the home buying process. Florida law requires certain disclosures and inspections for residential sales. Local specialists understand Putnam County market conditions and can connect you with state down payment assistance programs like the Florida Housing Finance Corporation.

What Does a First-Time Home Buyer Specialist in Palatka Cost?

Typical costs for a first-time home buyer specialist in Florida range from 2.5% to 3% of the purchase price as a commission, usually paid by the seller. Additional fees may include loan origination costs around 1% of the loan amount and inspection fees from $300 to $500. Down payment assistance programs may reduce upfront costs. This is general information and not mortgage or financial advice.

* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.

Frequently Asked Questions

What does a first-time home buyer specialist do in Palatka?
A specialist helps you understand the buying process, find suitable homes, and navigate Florida specific requirements. They can also explain local programs that offer down payment or closing cost help for first-time buyers.
Are there Florida programs for first-time home buyers in Palatka?
Yes, the Florida Housing Finance Corporation offers the Florida First and Florida HFA Preferred programs. These provide fixed rate mortgages and down payment assistance up to $10,000 for eligible buyers. Local lenders in Palatka may also offer additional options.
What documents do I need to work with a specialist in Palatka?
You will need proof of income like pay stubs and tax returns, bank statements, and a photo ID. Florida law also requires a written purchase agreement and a seller disclosure form for most home sales.

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