Buying a Home
Your homebuying journey starts with the right strategy.
Whether you are buying your first home, upgrading, investing, or looking for a Florida vacation property, the right financing makes all the difference. Austin helps you navigate your options with clarity and confidence.
For First-Time Buyers
Buying your first home? You have more options than you think.
The 20% down myth keeps more people renting than any other misconception. With FHA loans starting at 3.5% down, conventional loans at 3%, and VA and USDA loans offering 0% down, homeownership is more accessible than most people realize.
First-time buyers often qualify for down payment assistance programs, including Florida Hometown Heroes, which can cover part or all of your down payment and closing costs. Austin walks every first-time buyer through the full picture so there are no surprises at the closing table.
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For Move-Up Buyers
Ready for more space, a better location, or a different lifestyle?
If you already own a home, you have built equity that can work for you. Whether you are trading up to a larger home, moving to a better school district, or downsizing for retirement, your existing equity can fund your next purchase.
Move-up buyers often use a bridge loan, a contingent sale strategy, or a cash-out refinance on their current property to fund the next purchase. Austin helps you compare the options and choose the approach that minimizes your out-of-pocket costs and keeps your monthly payment comfortable.
Vacation & Second Homes
Your Florida getaway deserves smart financing.
Whether you are buying a beachfront condo, a waterfront home in the Keys, or a golf course retreat, financing a second home is different from a primary residence. Rates are typically slightly higher, and down payment requirements start around 10%.
Second-home financing also depends on how much you plan to use the property. If you intend to rent it out part of the year, the loan structure may shift to investment property guidelines. Austin helps you choose the right product and avoid surprises with insurance costs, flood zone requirements, and HOA rules.
Investment Properties
Build your portfolio with the right loan structure.
Real estate investors face different qualification requirements than homebuyers. Investment property loans typically require 15-25% down, higher credit scores, and cash reserves. But the right loan structure can make your rental property cash flow positive from day one.
Options include conventional investment property loans, DSCR loans (which qualify based on the property's rental income rather than your personal income), and portfolio loans for experienced investors. Austin works with investors to structure financing that maximizes return and minimizes risk.
Ready to Start?
Let's talk about your homebuying goals
No commitment. No hard sell. Just a straightforward conversation about what makes sense for your situation.