Buying your first home in Palm Beach County is exciting and overwhelming. This guide covers everything from credit prep to closing day.
At Gator Agent, we offer real estate, credit repair, and tax prep — everything to go from renting to owning.
Step 1: Check Your Credit
580+ for FHA, 620+ for conventional, 740+ for best rates. Our credit repair can help raise your score in 3–6 months.
Step 2: Finances in Order
2 years income history, down payment (3.5–20%), debt-to-income below 43%, and emergency fund.
Step 3: Get Pre-Approved
Shop 2–3 lenders. All mortgage inquiries within 45 days count as one hard pull.
Step 4: Mortgage Options
- FHA: 3.5% down, 580+ credit
- Conventional: 620+, best rates with 20% down
- VA: No down payment for veterans
- ITIN: ITIN mortgage programs
Step 5: Find Your Home
Median prices range from $300K in Lake Worth/Lantana to $500K+ in Delray Beach. Consider flood zones, HOA fees, and property taxes.
Florida Down Payment Assistance
Florida Housing program, Florida Assist (up to $10K at 0%), and HFA programs are available.
Ready to Buy?
Book a free consultation. Call (561) 972-5222. Bilingual service.