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First-Time Home Buyer Specialists in Zephyrhills, FL

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

12 agents listed
Updated June 2026
Zephyrhills, 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 Zephyrhills, 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.
Bingham Realty ERA Powered
38070 Daughtery Rd, Zephyrhills, FL 33540
(813) 788-2759 binghamrealtyinc.com
COLDWELL BANKER AQUATERRA REALTY
5710 Gall Blvd, Zephyrhills, FL 33542
(813) 780-7500 cbaquaterrarealty.com
Century 21 Bill Nye Realty
34619 CR 54, Zephyrhills, FL 33541
(813) 782-5506 century21bnr.com
Home Capital Corporation
38349 Co Rd 54 suite a, Zephyrhills, FL 33542
(352) 303-5385 homecapitalcorp.com
Sherri Freeze -Realtor Bingham Realty inc.
34619 CR 54, Zephyrhills, FL 33541
(813) 355-1514
Tiffany Bingham, BINGHAM REALTY, INC.
38070 Daughtery Rd, Zephyrhills, FL 33540
(813) 997-1648 binghamrealtyinc.com
Lance Smith Realty
6272 Abbott Station Dr #102, Zephyrhills, FL 33542
(813) 997-3981 lancesmithrealty.com
Stephanie Rogers Elite Real Estate
5710 Gall Blvd, Zephyrhills, FL 33542
(678) 644-6508 srogerseliterealestate.com
Chelsea Rose - Coldwell Banker Aquaterra Realty
5710 Gall Blvd # B, Zephyrhills, FL 33542
(813) 391-5230
My Estate sales 1
5253 Vineyard St, Zephyrhills, FL 33542
(765) 465-3151
Brewer Realty
5344 9th St Ste 103, Zephyrhills, FL 33542
(813) 714-3388
YOUR GOOD NEIGHBOR TEAM
36929 Tara Ave, Zephyrhills, FL 33542
(813) 469-2815 yourgoodneighborteam.com

A first-time home buyer specialist in Zephyrhills Florida helps you navigate the local market and Florida-specific requirements. Florida offers down payment assistance programs like the Florida HFA First Time Homebuyer Program. These specialists guide you through steps such as pre-approval, inspections, and closing while explaining Florida statutes on homestead exemption and property taxes.

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

Typical costs for a first-time home buyer specialist in Florida range from no direct fee to a flat fee of 500 to 1500 dollars, or a percentage of the home purchase price around 2.5 to 3 percent. Many specialists are paid by the seller through commission. Additional costs include appraisal fees 400 to 600 dollars, home inspection 300 to 500 dollars, and closing costs 2 to 5 percent of the loan amount. 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 Zephyrhills?
A specialist helps you find suitable homes, connect with lenders, and understand Florida first-time buyer programs. They also explain local market trends and guide you through the offer and closing process.
Are there Florida programs for first-time home buyers in Zephyrhills?
Yes, the Florida Housing Finance Corporation offers the First Time Homebuyer Program with down payment and closing cost assistance. Eligibility requires completing a homebuyer education course and meeting income limits.
What is the homestead exemption in Florida for first-time buyers?
Florida law provides a homestead exemption that reduces property taxes on your primary residence. You must own the home on January 1 and file an application with the county property appraiser to receive the exemption.

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