Down Payment & Closing Cost Assistance programs that may be able to help you:
http://www.mfhp.org/volusia.php (kind of a frustrating website, tough to find the information)
So you say you have no credit, that isn't actually an issue if you can document the non-traditional credit (rent, utilities, cell phone, etc.) as I described in a blog post of mine at: http://www.trulia.com/blog/shanethemortgageman/2011/06/no_sc called "No scores? No problem. Just use non-traditional credit."
When we went thru the period of "darkness" a few years ago,
1.)Lenders were making 100% loans,
2.) to people who didn't qualify,
3.) on houses of questionable value
4.) with loans that had variable (inflating) rates
5.) and many other "shady" practices
Most of those institutions are now out of business,
And many of those homeowners are now living in apartments.
I doubt that we will ever experience that again; not in our lifetime.
Lenders require you to have EQUITY in your house, and they are very tight on their qualifications.
Your best options are to investigate local (Community, County & State) Programs for Down Payment Assistance and/or Grants.
It would help if you had affiliation with some group such as Teachers, Police or Fire; something like that,
a local Realtor or Mortgage Broker could guide you.
The VA has 100% loans if you're a Veteran.
Please call a Realtor to help you.
good luck and may God bless you
You may also be eligible for a bond from Florida to allow you to buy with no money down.
Contact http://www.KristineBreadeau.com with HomeBanc, she is very knowledgeable and can get you the bond money if you need it.
All the best,
There are lenders that can help as real estate agents/Realtors are not supposed to give financial advice if not licensed to do so--we show homes and do home contracts, etc.
If you need a lender who can help Seniors just e-mail me and I can send you lenders you might try to see if they can work out a way for you to qualify.
Good luck and my e-mail is
(you can cut and paste if you like)