First Time Home Buyer Loans

In Today’s Market, CenterState Bank is the lender that you can count on to structure a home mortgage loan suited to your specific needs. You work hard for your income and financial security, so let us work hard to find the best solution for you.

Which Is Right for You?

Compare some of our most popular mortgage options below.

Mortgage Types

Great Option

Conventional Fixed-Rate Loans

First Time Homebuyer

VA Home Loan 


USDA Loan 

If you are buying a home that you plan to live in long term or like the predictability of a fixed rate

If you are a first time homebuyer looking for easier qualifications and a low down payment option

For qualified military members and veterans wanting little or no down payment

Applicants looking for a low down payment and flexible qualification guidelines

If you are looking to own a home in a designated USDA area, but have limited funds for a down payment

Benefits & Features

  • Finance up to 100%

  • Save money with our no PMI option

  • Low down payment; minimum 3.5% of purchase price

  • Gift funds are acceptable for down payment and closing costs

  • No first time homebuyer requirements

  • Finance up to 100%

  • Lower fixed interest rates

  • Flexible qualification guidelines

  • Typically lower mortgage insurance (MI)

  • Down payment as low as 3% of purchase price

  • Fixed Rate over the life of the loan

  • Consistent monthly payments

Adjustable-Rate Mortgage (ARM)

If you are planning to move in the next 5-7 years

  • Down payment as low as 5% of purchase price

  • Enjoy low, initial fixed interest rates

  • Jumbo and refinance options available

  • Up to 100% financing

  • VA loan interest rates are typically lower than conventional loans

  • No mortgage insurance (MI) required

If you have a unique situation and want to ask some questions,

feel free to email or call me.