Is the house you "lost in a divorce" still in your name? Has it been out of your name for at least 3 years?
If it hasn't been at least 3 years since the house was transferred out of your name, you may not be considered a first time homebuyer in Florida. Contact one of the realtors below that has a contact for a knowledgeable lender in the Miami area.
Whether you qualify for a first time homebuyer loan or not, your best option is to contact a loan officer with one of many banks and he/she can advise you of the different programs that are available to all buyers. Here in Miami Dade county, you may be able to have access to some programs for first time homebuyers, or buyers in a particular income range. If you do not have the contact numbers for a loan officer, I would be happy to provide you with the names of several loan officers that I have worked with that can provide you with answers and guidance on all of your home financing needs.
Good luck with your search.
Best of luck!
Any person who has not owned a primary residence for the last 3 years qualify as a first time home buyer.
Congratulations on qualifying!
If you want to learn a little more about the first time buyer rules follow this link to my blog:
If you are trying to obtain county or city down payment assistance contact your local "center for affordable housing". The can provide you the first time home buyer qualifications. You can also contact a loan officer in your area, they should be able to provide information regarding qualifying as a first time buyer...Please feel free to call or email me with any questions.
Home Run Real Estate inc
Some states may give you First Time Homebuyer status - and you may be eligible for some benefits. In Maryland - you are a first time buyer if you have never purchased a home in Maryland. As a first time buyer the State waives the State transfer tax to the purchaser.
Check with your lender.
Serving Maryland, D.C. and Northern Virginia
please see my blog for tips and advice on getting a mortgage in todays market