Free guide · First-time buyers in Miami-Dade & Broward
Buy your first home with less cash than you think.
Our free guide explains the Florida down payment assistance programs that are actually open, including Hometown Heroes, Florida Assist and the Miami-Dade and Broward county programs, plus a step-by-step plan from pre-approval to keys.
- Up to $35KHometown Heroes assistance
- 6 pagesplain-English guide
- Freeinstant download
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Questions? You'll talk to Fred or Nadine.
What's inside
Everything you need to know before you apply
How much cash you really need
Down payment by loan type, the closing costs people forget, and what lenders look for.
Every program, side by side
Hometown Heroes, Florida Assist, HFA PLUS, and the Miami-Dade and Broward programs, with amounts, income limits and the fine print.
A step-by-step plan
The order that keeps assistance programs from stalling your deal, from education course to homestead exemption.
How it works
From download to keys.
Read the guide
Find out which programs you might qualify for and what each one costs you later.
Book a free call
We'll look at your budget and target area and match you with lenders who close these programs.
Shop with a plan
We search within your program's limits and flag condos and neighborhoods that won't work.
Straight answers
The questions people ask.
Do I have to be a first-time buyer?
For most programs, yes, but the definition is broader than people think: you haven't owned and lived in a home in the last three years. Veterans are often exempt.
Is down payment assistance free money?
Sometimes. Some programs are forgiven over time, some are repaid when you sell or refinance, and some have a monthly payment. The guide explains each.
What credit score do I need?
Most Florida Housing programs need at least 640. If you're below that, we'll connect you with a lender who can map out how to get there.
Does it cost anything to work with you as a buyer?
Our first call is free. We'll explain exactly how buyer representation and compensation work before you sign anything.
Who you're working with
We help first-time buyers every week.
We're Fred and Nadine Fortune. We know which programs are funded right now, which lenders actually close them, and which condos will pass approval.
We're licensed through Lifestyle International Realty and work across Miami-Dade and Broward.
Your first home is closer than you think.
Download the free guide and see which programs you qualify for.
Get the free guide