Find First-Time Home Buyer Specialists in St. Augustine, FL
Browse first-time home buyer specialists serving St. Augustine, Florida. Contact information and addresses listed below.
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 20 first-time home buyer specialists in St. Augustine, FL
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A first-time home buyer specialist in St. Augustine Florida helps new buyers navigate the local real estate market. Florida offers specific programs like the Florida Hometown Heroes Loan Program which provides down payment assistance for qualified buyers. These specialists understand St. Augustine historic district rules and flood zone requirements that can affect your purchase.
What Does a First-Time Home Buyer Specialist in St. Augustine Cost?
Typical costs for a first-time home buyer specialist in Florida range from 500 to 1500 dollars for a full consultation and guidance package. Some specialists charge a flat fee while others bill hourly at 150 to 300 dollars per hour. Additional costs may include credit report fees and document preparation charges. 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 St. Augustine?
A specialist guides you through the home buying process from pre approval to closing. They help you understand Florida specific programs like the State Housing Initiatives Partnership SHIP. They also coordinate with local lenders and real estate agents who know St. Augustine neighborhoods.
Are there Florida down payment assistance programs for first time buyers?
Yes Florida offers several programs including the Florida First program and the Hometown Heroes Loan Program. These provide up to 5 percent of the purchase price for down payment and closing costs. Eligibility depends on income limits and property location in St. Augustine.
What legal requirements apply to first time home buyers in Florida?
Florida requires a written contract for any real estate purchase. You must receive a sellers disclosure about property condition and known defects. The state also mandates a three day right of rescission for certain loan types after signing.