Program
FHA
Flexible option for many first time buyers.
First-Time Buyer Focus + Fintech Speed
First Time Homebuyer Loans in Central Florida
Your Dream Home Starts Here
Serving all of Florida, with deep focus in Central Florida, including Orlando and the communities around Disney. First-time homebuyer guidance on FHA, low down conventional, VA, and USDA, with faster execution and clear next steps.
Fast Pre-Approvals
Wholesale Pricing Access
No Pressure Guidance
Orlando area focus
Orlando and homes near Disney
If you live or work near Disney or anywhere around Orlando, I can help you build a clear first time buyer plan and get a strong pre approval.
I serve all of Florida, but Central Florida is where I have the deepest day to day knowledge.
Winter Garden, Windermere, Horizon West, Dr Phillips, Celebration, Lake Buena Vista
Programs for first time buyers
Program
Conventional, 3 percent down
As low as 3 percent down for qualified buyers, strong option for solid credit.
Program
VA
Zero down for eligible veterans and service members.
Program
USDA
Zero down in eligible areas, income limits may apply.
I specialize in first-time homebuyers — I’ll help you understand your options in plain English, map out your payment range, and give you a clear step-by-step plan from pre-approval to closing.
The Wholesale Advantage
Institutional-level pricing power with local advisor accountability.
Pricing
Wholesale Rates
Direct access to lender pricing designed to improve monthly payment outcomes.
Execution
Rapid Closing
Digital-first workflow with proactive file management to keep timelines tight.
Strategy
Personal Expert
Work directly with Scott Mason to structure a loan that fits your goals.
Rent vs Own, see what you are paying over time
Enter your rent and how long you plan to stay. You will see a simple total so you can decide if buying makes sense for your timeline.
- Compare your rent total over time
- See if a first time buyer plan could fit your budget
- Get a clear next step checklist if you want to move forward
Equity Tool
Estimates only. Buying costs depend on home price, taxes, insurance, and loan program.
Rate Protection
Best Rate Guarantee
For qualified first time homebuyers, we offer a $1000 Best Rate Guarantee. If you have a written quote, send it over and I will review it and tell you if we can improve it based on the full terms and your specific loan scenario.
Equivalent terms required. Offer must be in writing. Eligibility and restrictions apply.
View full Best Rate Guarantee terms
Service Area
Serving All of Florida
I serve buyers statewide, with deep focus in Central Florida, including Orlando and the communities around Disney.
Common questions
How fast can I get pre approved
If you send documents quickly, I can usually move fast, often the same day or next business day.
Do I need perfect credit or 20 percent down
No. Many first time buyers use FHA, VA, USDA, or conventional as low as 3 percent down if they qualify.
What should I avoid before closing
Do not open new credit, do not change jobs without checking first, and do not move money around without a quick conversation.
What documents should I have ready
Pay stubs, W2s, two months of bank statements, and a photo ID are a great starting point.