South Florida homebuyer education
Plain-English education on the down payment and homebuyer programs in Miami-Dade, Broward and Palm Beach, from a local broker. Start with a 90-second quiz and see which ones are worth asking about.
Free. No credit check. Not a loan application.
It often plays out like this. You hear about a program or two, spot a rule that doesn't seem to fit, and move on. No call, no application, and nobody ever looks at your actual numbers.
But each program sets its own limits, so one bad fit doesn't rule out the rest. It's worth finding that out before you decide this isn't for you.
Pick whichever feels easiest. They all end with a clearer idea of which programs are worth a proper look for you.
Twelve quick questions about your situation. You get an educational summary of programs worth asking about in your county, plus what's most likely in your way.
Start the quiz →The whole picture in one sitting: what exists in South Florida, how the programs actually work, and where people usually get stuck. Live, with time for questions.
See what it covers →Your county, your numbers, and the programs worth a closer look. Free and no obligation.
Request a call →Knowing all of that upfront is the point. Better to decide with the full picture than to find out halfway through.
Stefan #TheListingBroker · Real Estate Broker | Former Real Estate Attorney
I'm a South Florida real estate broker and a former real estate attorney. I built this site to lay out the homebuyer programs here in plain English, including the fine print.
No. It's educational. It doesn't check your credit, and it isn't a pre-approval or an eligibility decision. A participating lender makes those calls.
Not always. Many programs count you as a first-time buyer if you haven't owned a home in the last three years, and some are open to repeat buyers too.
Sometimes. Some programs are grants, but many are loans that are forgiven over time or repaid when you sell or refinance. The details matter, so read the terms or ask.
Sometimes. Some local programs are designed to sit alongside a state program and a first mortgage. Each program has its own rules, so a participating lender has to confirm what can be combined.
Programs set their own minimum credit scores, and they don't all match. It's worth knowing your actual lender score and which programs fit before deciding anything.
The quiz, the class and the call are free.
Statewide programs apply across Florida, but the county and city programs here are specific to the tri-county area.
Florida Homebuyer School