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First Time Home Buyers Resource Center


Get Pre-Approved for a Mortgage

Find out how much house you can afford. Call one of the professional loan agents below. 

$8,000 Tax Credit

Does NOT have to be paid back.
Definition of a First time Home Buyer --- Someone who has not owned a home for the past 36 months.
Even if the buyer has filed their 2008 Tax returns --- We have the IRS form for them to get their refund after closing.
Remember the FTHB must close before December 1st, 2009.
 

100% USDA Rural Financing

Rural Housing Direct Loans are loans that are directly funded by the Government.   These loans are available for low- and very low-income households to obtain homeownership.  Applicants may obtain 100% financing to purchase an existing dwelling, purchase a site and construct a dwelling, or purchase newly constructed dwellings located in rural areas.  Mortgage payments are based on the household's adjusted income.USDA Rural Development Website

1-4 occupants income limits are $73,600.
5-8 occupants income limits are $91,150.
North East New Tampa, Riverview, Gibsonton, Pasco and Hernando Counties: These areas qualify for 100% financing.
With the increase in income limits allows new opportunities from eligible buyers.

Eligible Tampa Bay Area Communities: 
 

Make an Appointment to View Homes

Call or text: 813-956-3563
Email: jmontano@janetmontano.com
Office: 813-412-1045
 

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