First time homebuyer programs..

Asked by Juanita, Jacksonville, FL Tue Apr 21, 2009

Where can I read in detail about the different first-time homebuyer programs available now? Such as the SHIP and Headstart to Homeownership programs, etc. Thanks!!

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Eric Cavanagh, Agent, Jacksonville, FL
Wed Apr 22, 2009
Hi, Juanita;
There are seceral programs available and they are all income capped and designed to assist first time buyers who may not otherwise be able to get into a house. Look here for info on the Headstart to Home Ownership (H2H) program:…
(cut and paste into a new browser)
Or, there is also the Florida Bond program as well as SHIP; go here and use the 'First Time Housing Wizard':
Good Luck with your first house. The first step, really, is to get with a lender. The State of Florida designates certain lenders to handle their programs so it's easier to monitor it. Names can be found on the websites I've included, or call me and I'll refer you. Most any Realtor can give you the name of a reputable lender they use that can help you with this. Having a Realtor (Buyers Agent) help you with this is invaluable. Now is really the best time in your lifetime to buy a house!
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1 vote
Brenda Gravi…, Agent, Jacksonville, FL
Sat May 15, 2010
Dear Juanita,
The H2H program in Duval County, Jacksonville, FL is handled by You can contact Susan Headridge at 904-398-4424. I work mostly with first-time home buyers and first time investors. The loan officer I use the most is Jeff Lowry because he knows how to combine the H2H and the Florida Bond to get the buyer up to $20000 in down payment assistance. Feel free to contact me at for his contact information. I can also send you a list of my websites that have additional information.
In addition, I would be glad to set you up with a free listingbook account that links you to the MLS for your home search.
Brenda Gravitt CRS, GRI in the business of helping first time homebuyers since 1984
0 votes
Eric Cavanagh, Agent, Jacksonville, FL
Thu Apr 23, 2009
Someone else recommended Becky Flanders to me yesterday. I came back here to check on the thread and saw her name again. Just wanted to put my two cents in....I've never met or talked to her, but to see her name twice from two different people bears a mention.
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Carol Zingone, Agent, Atlantic Beach, FL
Wed Apr 22, 2009

You've received some excellent advice below. I agree with Eric: get with a lender to help you navigate all the different aspects of these programs. I highly recommend Becky Flanders at Countrywide her phone is (904) 256-2046, as well as Travis Gibbon at Gibraltar Mortgage (they are affiliated with Prudential) his number is 904/435-1090.

Good luck!

Carol Zingone
Broker Associate
Prudential Network Realty
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Jack Vance, Agent, Jacksonville, FL
Wed Apr 22, 2009
Juanita, to get full details about all the programs available you need to contact a good lender. If you need a number call me at 504.1215 or Jack Vance
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Larry Atwell, , Amelia Island, FL
Wed Apr 22, 2009
Hi Juanita,
Yes all those programs exist and have their own qualifactions. There is also FHA that only requires 3.5 % down, but the seller can contribute to your transaction up to 6% of sales price.


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