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- – However, there are several Florida mortgage loans available for first time home buyers who are interested in attaining homeownership at a time when both home prices and mortgage rates are affordable. Each type of loan comes with its own guidelines and restrictions, so if you don’t qualify for one type, you may qualify for another.
· Any person who has not owned a principal residence in three years qualifies as a first-time home buyer under FHA guidelines. It does not matter if the previous home was sold or.