Primary Home

Get the right loan for your dream home and enjoy low down payments and rates.

Primary home loans facts

Primary home mortgage rates in Florida are typically 1% lower than an investment property or a second home.
As a first-time home buyer you can buy a primary home with as little as 3% down payment using a conventional mortgage or 3.5% down using an FHA loan.
You can qualify for a primary home using an FHA loan with a credit score as low as 580.
Are you a Veteran? Then with your VA eligibility, you can purchase a primary home with zero money down.
Capital gain on a primary home with homestead exemption is exempt from paying income tax up to $500k in profit.
Use a Conventional mortgage to buy a primary home with as little as 5% down payment

Today’s rates

Conventional Loans

Rates for Primary Home Purchase

5.625% (5.733% APR)

5.5% (5.629% APR)

4.875% (5.035% APR)

FHA & VA Loans

Rates for Primary Home Purchase

5.25% (6.334% APR)

5.375% (5.683% APR)

Rates, terms, and fees as of February 1, 2023 11:10 am and subject to change without notice. Select a product to view important disclosures, payments, assumptions, and APR information. Please note we offer additional home loan options not displayed here. Rates for Primary Home Purchase.

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Shahram Sondi | NMLS 186790 - CERTIFIED MORTGAGE ADVISOR™

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Shahram Sondi | NMLS 186790 CERTIFIED MORTGAGE ADVISOR™
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All rights reserved © 2023 Mortgage Expert, Inc. NMLS ID: 2412313 Location: 142 W Lakeview Ave, Suite 2050, Lake Mary, FL 32746 | Phone: (407) 955-9235 Content provided by Shahram Sondi The information provided on this site is for basic informational purposes only and IS NOT intended as a substitute for professional or legal advice. Notice: My Town Realty (License #: CQ1049127) and Mortgage Expert (NMLS ID: 2412313) are both wholly-owned entities of Shahram Sondi (NMLS ID: 186790, License #: BK3225742). Due to this relationship, any referral between these two entities has the potential to financially benefit Shahram Sondi. Under no circumstance are you required to engage the services of one or both of these entities. View $1000 Best Rate Guarantee Terms & Conditions
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