Our Resources

I am your partner in all aspects of the home buying and selling process. I have connections with service providers across the country, featuring fantastic customer service and reliable representatives. Explore a list of my service partners below.

Don't let the idea of becoming a homeowner intimidate you! There are numerous excellent programs available that can make purchasing a home more affordable, even if you have never owned one before. First-time homebuyers need not worry about a burdensome 20% down payment, a less-than-perfect credit score, or having a low to moderate income. Moreover, even if you have previously owned a home, you might still be eligible for first-time homebuyer programs! Continue reading to discover more.

Are you considering buying your first home? The U.S. Department of Housing and Urban Development (HUD) defines who qualifies as a first-time homebuyer. If you've owned a home in the past, you may still meet the criteria. HUD identifies you as a first-time homebuyer if any of the following apply:

  1. You and/or your spouse haven't owned a principal residence in the last three years.
  2. You're a single parent or displaced homemaker, and your only previous homeownership was with a former spouse.
  3. You've only owned a principal residence without a permanent foundation, such as a mobile home.
  4. You owned a home before, but it didn't comply with state, local, or model building codes, and bringing it into compliance would cost more than constructing a permanent structure.

If any of these scenarios resonate with you, let's discuss the available loan programs! As a qualified first-time homebuyer, the following mortgage assistance programs can help you make your dream of owning a new home a reality and save you money in the process.

FHA home loans are mortgage loans that are insured against default by the Federal Housing Administration (FHA). FHA loans are available for single family and multifamily homes. These home loans allow banks to continuously issue loans without much risk or capital requirements. The FHA doesn't issue loans or set interest rates, it just guarantees against default.

FHA loans allow individuals who may not qualify for a conventional mortgage obtain a loan, especially first time home buyers. These loans offer low minimum down payments, reasonable credit expectations, and flexible income requirements.

The VA Loan provides veterans with a federally guaranteed home loan which requires no down payment. This program was designed to provide housing and assistance for veterans and their families.

The Veterans Administration provides insurance to lenders in the case that you default on a loan. Because the mortgage is guaranteed, lenders will offer a lower interest rate and terms than a conventional home loan. VA home loans are available in all 50 states. A VA loan may also have reduced closing costs and no prepayment penalties.

Additionally there are services that may be offered to veterans in danger of defaulting on their loans. VA home loans are available to military personal that have either served 181 days during peacetime, 90 days during war, or a spouse of serviceman either killed or missing in action.

A remarkable opportunity awaits our esteemed Native American veterans, thanks to the unwavering support of the U.S. Department of Veteran Affairs through the Native American Direct Loan (NADL) program. Designed with their needs in mind, this program opens the door to homeownership by providing accessible home loans for eligible Native American veterans seeking to purchase or build a home on federal trust land.

Much like the renowned VA loans, the NADL program offers a range of enticing benefits that truly make a difference in the lives of our heroes. With little to no down payment required, the financial burden of homeownership is significantly eased, allowing veterans to embark on this new chapter of their lives with confidence and peace of mind. Moreover, when it comes to closing costs, the NADL program holds surprises of its own – little to none to be exact, granting even more financial freedom to those who have selflessly served our nation.

Not only does this program uplift Native American veterans, but it also extends its reach to those veterans who are married to Native American non-veterans.  With an inclusive and caring approach, the NADL program recognizes and celebrates the bond between veterans and their loved ones, ensuring that the dream of homeownership is within reach for all who have honorably served our country.

As the rays of opportunity shine upon you, it's time to take the leap and embrace the NADL program – a pathway that not only leads to a place to call home but also stands as a tribute to your dedication and sacrifice. Let's honor our Native American veterans by helping them secure the home they deserve, a place where memories will flourish and legacies will endure. Together, we'll make the dream of homeownership a reality for those who have given so much for us all.

USDA loans, a beacon of hope for aspiring homeowners, present a compelling opportunity for low-income Americans who may have encountered hurdles in qualifying for traditional mortgages due to credit constraints.  These remarkable loans come with a host of advantages, including low-interest rates and the incredible benefit of zero down payments, making the dream of homeownership achievable for those who might otherwise struggle to secure it.

With a USDA loan, the path to homeownership becomes smoother and more accessible, empowering individuals and families to embark on this life-changing journey with confidence. These loans offer a helping hand to those who have faced financial challenges but are eager to build a stable and secure future for themselves and their loved ones.

To seize the advantages of a USDA loan, one must explore the possibilities in designated areas that encompass a range of rural and suburban locations. This strategic allocation ensures that these loans contribute to the revitalization and development of communities that often receive less attention in the housing market. By doing so, the USDA aims to foster growth and prosperity in previously underserved regions, bringing economic benefits to both the residents and the areas at large.

So, if you've been dreaming of owning a home but have felt discouraged by credit limitations and financial constraints, take heart in the availability of USDA loans. Embrace this chance to establish a stable foundation for yourself and your family, and let your dreams take root in a place you can call your own. Together, let's make the journey to homeownership a reality, transforming aspirations into cherished addresses and creating a brighter future for all.

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Struggling to get that loan approved for your dream home that needs a little love and improvement? No worries, we've got a solution for you!  Introducing the fantastic Home Renovation Loan, a game-changer backed by Fannie Mae!  This all-in-one loan not only covers your primary mortgage for the home purchase but also includes extra funds specifically allocated for your renovation needs, starting at a minimum budget of $5,000.

With this incredible loan option, you can turn that fixer-upper into the perfect home you've always envisioned.  No more worries about scraping together multiple loans or stretching your budget thin; our Home Renovation Loan streamlines the process, making it easier and more convenient for you to create your dream living space.

From upgrading your kitchen and bathrooms to transforming your backyard oasis, the possibilities are endless!  Plus, with the backing of Fannie Mae, you can rest assured that you're in good hands throughout the entire process. Our team of experts is here to guide you every step of the way, ensuring a smooth and stress-free journey to homeownership and renovation success.

So, if you're ready to take that leap and turn your fixer-upper into a shining gem, don't hesitate to reach out!  Let's make your dream home a reality with our Home Renovation Loan.  Your dream home awaits, and we're here to make it happen!

Exciting news for our dedicated police officers, fearless firefighters, compassionate emergency medical technicians, and our inspiring elementary through high school teachers, along with other valued public servants!  The Good Neighbor Next Door buyer aid program, supported by HUD, is here to pave the way for your homeownership dreams in specially designated "revitalization areas."

With this incredible program, you can take advantage of outstanding benefits that will bring you closer to owning your dream home.  Imagine getting up to a whopping 50% off the list price for homes in these designated areas, making homeownership more affordable and accessible than ever before!  Not only that, but you'll also enjoy the flexibility of low down payments and the added bonus of no application fees.

Of course, like all great opportunities, there's a small catch – but one that's completely reasonable and beneficial. You must commit to residing in these homes as your primary residence for a minimum of three years. But think about it, this means you get to become an integral part of these revitalization communities, making a positive impact and building lasting connections with your neighbors.

And guess what? The Good Neighbor Next Door program is just one of the many fantastic federal initiatives available to support aspiring homeowners like you.  In addition, numerous U.S. states and cities offer an array of first-time buyer programs and grants that provide assistance with down payments, financing, and closing costs.  So, don't miss out on these incredible opportunities!

Take the first step towards homeownership and reach out to your local Movement Mortgage loan officer. They are eagerly waiting to guide you through the various programs and grants, helping you find the perfect fit for your unique needs and aspirations.  Together, we'll make your dream of homeownership a reality, and you'll soon have the keys to your very own home sweet home!

In the world of homebuying, innovation continues to pave the way for a brighter and greener future. And just like that, a relatively new gem emerges from the Federal Housing Administration, specifically designed to empower first-time homebuyers with a vision for long-term savings on their utility bills.  Introducing the game-changing Energy-Efficient Mortgage, a powerful tool that not only helps you achieve homeownership but also sets you on the path to a more sustainable and cost-effective lifestyle.

With the Energy-Efficient Mortgage, you can now seamlessly incorporate energy-efficient improvements into your mortgage, creating a harmonious blend of affordability and eco-conscious living.  This brilliant concept allows borrowers to finance a wide range of energy-saving upgrades directly within their mortgage, all geared towards making your new home more energy-efficient and budget-friendly.  From installing energy-efficient windows and doors to upgrading your heating and cooling systems, the possibilities are boundless!

Not only does this lead to immediate cost savings on your utility bills, but it also enhances the overall comfort and value of your new home. Imagine living in a space that's not only aesthetically pleasing but also environmentally responsible, leaving a smaller carbon footprint while enjoying financial benefits.

By embracing the Energy-Efficient Mortgage, you become part of a transformative movement, one that prioritizes sustainability and supports a brighter future for generations to come. So, if you're a forward-thinking first-time homebuyer looking to create a home that aligns with your values and savings goals, this is the perfect opportunity for you.  Let's take the first step together and explore the vast possibilities that await you with the Energy-Efficient Mortgage.  Your dream home is not only within reach but also one that contributes to a more sustainable and prosperous world.

When it comes to finding the perfect loan for first-time homebuyers with good credit and stable employment but limited savings for a down payment, look no further than a Fannie Mae or Freddie Mac loan!  Considered a conventional loan, these programs offer a fantastic solution to make your homeownership dreams a reality.

With Fannie Mae and Freddie Mac loans, you can breathe easy knowing that up to 97% of your home's price can be financed, allowing for down payments as low as just 3%. This feature makes it an ideal choice for those who are eager to step into the world of homeownership without being burdened by a hefty down payment.

To qualify for these programs, a minimum credit score of 620 is typically required, along with a near spotless credit history, ensuring that responsible and reliable homebuyers are the ones benefitting from these opportunities. Your solid credit standing will serve as a stepping stone to unlock the doors to your dream home.

But here's the cherry on top! If you plan on staying in your new home for the long haul, a Fannie Mae or Freddie Mac loan becomes an even more attractive option.  Once you've built up 20% equity in your property, you may have the opportunity to cancel the required mortgage insurance, providing you with even more financial flexibility and freedom.

So, if you're ready to embark on your homeownership journey, take a closer look at these amazing mortgage options.  Let a Fannie Mae or Freddie Mac loan pave the way for you to have a place to call your own – a sanctuary where memories are made and dreams come to life.  Contact us today to explore your options and find the perfect loan that aligns with your aspirations!

Meet Our Partner


Florida Mortgage Pros

Our partners Florida Mortgage Pros LLC are dedicated to providing an exceptional client experience throughout your residential and commercial financing process. They know that securing a loan can be a stressful process, which is why we prioritize honesty, integrity, and genuine care for our clients. They believe in building relationships over transactions, and that is why they are passionate about providing an exceptional client experience, one loan at a time.

Florida Mortgage Pros LLC believes that every borrower has unique needs. That's why they offer a comprehensive range of loan programs, including both traditional and specialized options. Their traditional loan programs include VA, Conventional, FHA, USDA, and the Hometown Heroes initiative. They also have specialized loan programs that cater to investment properties, self-employed individuals, and borrowers with lower FICO scores. Additionally, they offer financing options for unique scenarios such as new construction, short-term rentals, and multi-family properties. Their tailored and innovative financing solutions are designed to meet the needs of a wide range of clients in our market.

Farmers Insurance - Richard Williams Agency - Lake Wales - InsuranceQuo.com

Farmer's Insurance

As your local Farmers® agent in Lake Wales, and the Central FL region, I help customers like you identify the insurance coverage that best fits your needs. This process is straightforward and personalized to help make you smarter about insurance. I have the knowledge and experience to help you better understand your coverage options--whether that's auto, home, renters, business insurance, life and more. Visit us today! We are in the Eagle Ridge Mall next to Dillards.

Let’s work together to make the home buying or selling process easier and more rewarding than ever.