If you want to know how to buy a house in Florida, you’ve come to the right place!
Learn more about our step-by-step process below and book an appointment when you’re ready to get started!
Don’t miss out on or delay your chance to get approved for a mortgage to buy your first home. Get a free mortgage consultation and the personalized first-time buyer assistance and support you need to receive your keys.
The internet is filled with generic advice that doesn’t address your unique needs. You’re not alone if you feel lost and frustrated by information that doesn’t fit your unique situation and doesn’t tell you how to qualify for a mortgage.
You’ve heard and read it all before:
- Fix your credit.
- Raise your mortgage credit score
- Get a mortgage pre-qualification
- Choose the right mortgage loan program
- Save for a down payment on a house
- Watch the current home interest rates
But where do you start? How do you achieve your goal of becoming a first-time homebuyer? Generic online advice doesn’t address these questions, but I do!
When you work with me, you’ll receive personalized one-on-one support, boosting your chances of qualifying for a home loan. I am your personal first-time homebuyer guide, walking you through the process of buying a home step-by-step.
To help you turn your homeownership dreams into a reality:
- We’ll start with a call to discuss your unique goals and challenges. I’ll answer all your questions and summarize the steps required to get a mortgage pre-approval. We’ll also discuss the differences between an FHA home loan, a VA home loan, and Conventional financing and which one may be right for you.
- I will review your credit report, income, and bank statements to determine where you currently stand. Knowing all the pieces of the puzzle helps me create a personalized plan that’s right for you.
- I will list all the steps you need to take in order of importance. The steps will include paying down debts, saving for a down payment, and cleaning up your credit history. You will know exactly what to do and when.
- After I send you your personalized plan, we’ll schedule another call to discuss each step in detail. During this call I’ll let you know what you’ll qualify for once your tasks are completed – giving you a goal to focus on.
- I will call you every 30-45 days to check your progress. We will adjust as needed to make sure you stay on course. You can contact me anytime if you have questions or concerns along the way.
- Preparing for loan approval generally takes about 6 months, but I’ll work with you for as long as it takes. As long as you’re engaged and doing your part, I’ll be working alongside you.
- Once you have completed all of your tasks and your income, credit, and assets are in order, I’ll submit your loan to underwriting to obtain your loan approval.
- When your loan approval is received, I’ll pair you with a top-notch real estate agent to help you find your perfect home.
- After you find your perfect home, I will finalize your loan in underwriting and be there at the closing table when you receive your keys.
I specialize in helping first-time buyers become proud homeowners. Every client who has followed this process has successfully reached the closing table.
The best part about this process is that it’s completely free. I get paid by the lender when your loan closes, making this invaluable service 100% risk-free.
If you’re serious about buying your first home and ready to start this exciting journey, click the link below to schedule your initial consultation. Choose a time that works for you, and we’ll chat soon!
What Customers Are Saying...
Trustindex verifies that the original source of the review is Google.
TaQuanda Gibson2024-04-28I went into this process with the thoughts of how stressful purchasing a home could be, based off of the opinions from other homeowners. Thanks Levi for being my right hand my go to for EVERYTHING no matter the time nor day. I hope I didn't stress you out lol, to Mrs. Wendy, the boss lady. Thank you for helping me to understand this very important step I've made to creating the generational wealth I set forth to create. I am now more knowledgeable in the home buying process because of you. Thanks to the entire staff at Phoenix Star Loans for helping me make my dreams a reality.Trustindex verifies that the original source of the review is Google.
Danielle Sells2024-02-27Wendy, Havana & Levi exceeded all expectations with their exceptional service and expertise. They demonstrated unparalleled dedication to their client during a challenging situation and their ability to navigate a difficult matter by finding a tailored solution is unmatched. This absolutely sets them apart in this industry! I highly recommend their services to anyone seeking a stress-free mortgage experience.Trustindex verifies that the original source of the review is Google.
Capri Brown2023-10-26I LOVE THEM ALL VERY UNDERSTANDING AND DETAILED. WELCOME YOU IN LIKE FAMILY AND THE PROCESS IS SMOOTH AND EASY TO UNDERSTAND I WISH I COULD GIVE MORE STARS THEY ARE THE BEST AROUNDTrustindex verifies that the original source of the review is Google.
TeeSasha LeBlanc2023-10-13From the first day I spoke with Havana I knew I made the right decision to use their mortgage team. The process was very easy and everyone was so helpful and informative. I worked directly with Wendy and Levi. Anytime I had a question or was not sure about something they answered and kept the line of communication open. Thank you for giving me a wonderful first time home buying experience .Trustindex verifies that the original source of the review is Google.
Tiffany Cali2023-10-13Working with Wendy and her team was a wonderful experience! They were fast and efficient and were a pleasure to work with!Trustindex verifies that the original source of the review is Google.
Brenda Scott2023-10-06I had a amazing experience . Everyone was very helpful and patience. I'm highly likely to referred my family and friends.Trustindex verifies that the original source of the review is Google.
Eric Henriquez2023-09-04Great people!Trustindex verifies that the original source of the review is Google.
Sara Poindexter2023-06-04I was terrified to buy a house. I knew I wanted one, but my credit wasn't that great, and my income was a concern considering the cost of housing. I filled out the online application and Havana was on the phone with me that day, assuring me that even if my credit wasn't ready she would help get me there. She took my hand(figuratively) and held it from start to finish. They did just about everything for me, including putting me in touch with a local agent. We couldn't find what we were looking for in the Brevard market. I got a referral to one in the Gainesville area where property in the country was more reasonably priced. Havana and Wendy were so supportive that they are more like my favorite aunties now 😁 Any time an issue popped up they were in contact with me, usually with a solution already in hand. They made sure my mortgage stayed where I could afford it. At no point was I pushed to get a bigger house or payment than I wanted. They were patient with me while we located our perfect home, making sure I knew that they were still there for me if I need anything after the purchase was complete, from problems with the house to insurance. If I ever need to refinance or buy another house I will be calling them. They really did rise above my expectations! Seriously, even if you are just thinking about buying a home right now....call them. You won't regret it.Trustindex verifies that the original source of the review is Google.
Nicole Beisel2022-05-12Havana and Wendy at Phoenix Star Mortgage were awesome to work with, especially as first time home buyers. They were very patient in explaining everything to us and answering our questions, and they were always quick to move things along as we put in offers and moved forward with closing on our new house. Highly recommend them!
