Programs for First Time Home Buyers

Mortgage Credit Certificate (MCC: Broward County)

The Housing Finance Authority of Broward County has launched a Mortgage Credit Certificate (MCC) program to help reduce home loan financing costs for qualified homeowners in Broward County.

The MCC program entitles qualified applicants to a federal income tax credit in an amount of up to $2,000 annually. This enables qualified owners or buyers, who owe federal income taxes, to benefit from a dollar-for-dollar reduction of their tax bills. Additionally, the homeowner will continue to receive the tax credit each year they continue to live in the home financed under the MCC program.

The MCC program is not a mortgage; however, it may be used in conjunction with a first mortgage. Borrowers must meet standard mortgage underwriting requirements, which demonstrate credit worthiness, and meet the MCC program's income and home purchase price requirements.

FHA Loans

Another excellent option at the national level is an FHA loan backed by the Federal Housing Administration. If you are eligible for this type of loan and you have a qualifying credit score, your down payment could be as low as 3.5%. You may choose between a fixed or adjustable interest rate. In either case, the interest rate, like the down payment, should be lower than it would be for an equivalent conventional loan.

Other Government-Backed Loan Programs

You also should not overlook other government-insured loan programs. If the house you are planning to buy is located in a USDA-defined "rural" zone, you might be eligible for a USDA home loan with zero down payment. Another type of loan with zero down is a VA loan. You may be able to qualify for this program if you are a veteran, active duty service member, or a surviving spouse of a veteran.

Conventional loans for First Home Buyers

If a government-insured loan program isn't right for you, both Fannie Mae & Freddie Mac offer a 3% down Conventional loan. By using the standard 3% down loan, a first time home buyer can purchase their home with little money out of pocket. Fannie Mae's Home Ready & Freddie Mac's Home Possible programs also feature reduced rates & mortgage insurance for qualified buyers.

First Time Home Buyers

See What Our Clients Are Saying About Us!

Premier Lending Corp

5.0

Based on 152 reviews

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Todd blind

20:04 20 Jan 21

Thanks Jordan for helping me refi my investment property. Jordan and his team are true professionals, and made the process super easy. I highly recommend them. Thanks again.

Ken Grant

01:11 20 Jan 21

I can not thank my Loan Originator Jordan Nicolosi enough for his hard work and follow-through. Being a first time homebuyer, I needed some advice and assistance throughout the process and he was there every step of the way. Jordan remained available through text, email and phone in case I had any questions or wanted to know what my mortgage payment would be for any properties I looked at. His responses were almost immediate. When I found the home I wanted, he began working on my loan immediately. The interest rates available were also unmatched. We were even able to close 15 days early because of the diligence of him and his team at Premier Lending Corp - THANK YOU! Give him a call if you are looking to refinance or purchase. I highly recommend PLC.

Andrey Khlapov

15:30 19 Jan 21

Jordan Nicolosi from Premier Lending Corp helped us to refinance our house. He was there for us from the beginning to the end. This was our first time and Jordan was very professional and patient with all the questions we had. He kept track of all due dates, legal matters and paperwork trail. He was available for us all the time when we needed him. The figures he promised us from the beginning were spot on, the closing was smooth. We are really happy with services provided.

Lauren Blackwell

21:04 18 Jan 21

Marlin Fernandez

02:56 14 Jan 21

Angel Unzalu made our refinance process a very pleasant experience. He was very professional and help resolve any request that was required. Recommended 100%.

Mike Weingarten

00:13 13 Jan 21

I had a very pleasurable experience working with Jordan and the rest of the staff at Premier Lending. Jordan worked very had in making my finance happen. He took the time to go over different options and help me decide the best choice for my needs. He kept me aware of everything that was going on through every step of the process. He was very professional and used great patience in making things happen. I highly recommend Jordan and Premier Lending to help you get the financing you are looking for.

Nerdege SAINT LOUIS

17:11 12 Jan 21

Mirlande Charles

02:03 12 Jan 21

Rudy Capote

19:07 11 Jan 21

This is the second time using Jordan and PLC, and the experience was phenomenal. Jordan truly cares about what’s best for his clients, and he goes above and beyond to make sure that it all works out smoothly. We were kept well informed throughout the process. We are saving more money than we expected, something so important to take into consideration during these tough times. Contact Jordan and PLC for a mortgage loan and/or a mortgage refinance, and expect quality service with positive results.

Mary Flanagan

20:33 08 Jan 21

Alexis was great. Very knowledgable and attentive. Highly recommend this company

Nicole Faith Rolon

21:42 03 Jan 21

Michael Maram

14:59 31 Dec 20

We recently refinanced our home with PLC and Johanny Joseph.Johanny is a consummate professional who quickly resolved allissues and insured a seamless process. We closed in two weeks.Johanny is a very personable and responsible individual. We highlyrecommend PLC and Johanny Joseph for anyone needing financingservices.

rhud513

22:52 30 Dec 20

A big thank you to Premier lending Corp. and Jordan Nicolosi. They made my refinance seamless and easy. Jordan was attentive and answered all my questions without delay. He was honest and upfront. He kept me in the loop through the whole process. I couldn’t be happier. Thank you Premier lending Corp. and Jordan. Happy new year!

Sidhartha Jain

13:35 30 Dec 20

Paty Pazmino

20:18 29 Dec 20

I refinance my home using Premier Lending Corp services and work directly with Manny Fajardo. The process was clean, fast and transparent. Manny provided options and information so I could make an informative decision.I highly recommend Premier Lending Corp for your mortgage needs.

Matthew Knox

16:02 24 Dec 20

I've worked with Juan and Premier Lending several different times over the last few years and each time they've been terrific - very responsive and professional, and educating me throughout each step of the process. I've recommended Juan and PLC to 6 or 7 people and each one has been thrilled with the service. I'll definitely use Premier Lending again!

Joey Santino

15:17 24 Dec 20

I finally closed on my house, and I could not be more satisfied with the job that Jordan and the team at Premier Lending did for me. I walked in to Jordan’s office about a year ago and told him some of the ideas that I had in mind for buying my first property. He helped me put together a plan and get me into the best position possible to make a move. Through the looking process, Jordan always kept me in position to be able to make an offer immediately should I see something I liked. He is extremely knowledgeable, well beyond his specific job description. Jordan is relatable, and has the ability to simplify language and concepts that may be new to first time home buyers like me. The level of professionalism that Jordan and the PL team display is unmatched. The process for purchasing my home was more difficult than most, but the constant through the entire process has been Jordan and his team. I was told a long time ago that one of the greatest abilities that you can bring to any situation is availability. Jordan’s availability and responsiveness went above and beyond what I think was a reasonable expectation. He made me feel like I could contact him at any time, and with many moving parts to my deal there were times where I needed to. He was always there. I cannot speak of or recommend Jordan and Premier Lending highly enough. If you’re looking to purchase a home or refinance, the easiest decision you should have to make is to contact Jordan and Premier Lending Corp!

Enrique L.

23:03 23 Dec 20

Alexis our Senior Loan Manager was very courteous and professional. The whole process was seamless and efficient..highly recommended!

Fred Miller

19:13 23 Dec 20

Premier Lending Corp was the absolute best.Alexis VanLandingham, my loan officer couldn’t have beenany more efficient, professional, understanding, patient.My praise for her cannot be any higher. I’d give her10 stars if possible.Fred Miller

Brianna B.

15:27 23 Dec 20

I worked with Premier Lending Corp to purchase my first home! I was very happy with my experience. Casey Boyd was absolutely amazing to work with! He was very knowledgeable and helped me understand everything in full detail. I definitely recommend working with Premier Lending Corp! Be sure to ask for Casey!

Caitlin Behr

01:45 22 Dec 20

Johanny and PLC helped my mom and I purchase a condo. Hands down the best professionals in the game!! From start to finish they are always updating and communicating where we stood throughout the process and when we could expect to be close which was a week earlier than our contract date. They answered all our questions in great detail and completely eliminated any stresses or concerns involved in purchasing a home. I personally won’t use anyone else myself and would confidently refer them to any friends and family of mine. Highly recommend giving them a call for any of your mortgage needs.

J Hinnen

00:59 22 Dec 20

Juan did a super job, very quick to respond and helped get me the best rates and closed my transaction a week early. Will refer him to future clients !

Thanh Luc

03:35 21 Dec 20

As a Realtor it's my job to ensure my client's have a relationship with a lender that can follow through in a timely manner and be responsive. Casey Boyd and Premier Lending did just that and more. From pre-approval, to appraisal, to clear to close, to closing day everything was AHEAD of schedule.

Shawn Gibson

11:55 19 Dec 20

I could not be happier with the service I received from Jordan and everyone else involved at Premier Lending Corporation. My wife and I have now refinanced a home and also purchased a new home with Jordan, and the experience has been great each time. Jordan worked tirelessly to secure us a low rate, that made the home of our dreams more than affordable. Jordan also was there for us every step of the way to answer any question and help us with anything we needed. Buying or refinancing with Jordan and Premier is something I could not recommend more highly. Let Jordan do what he does best, you will not be disappointed. Quite simply, Jordan secures the bag. Secure the bag for your family, and call Jordan Nicolosi at Premier Lending Corp.

Gabriel Maxwell

23:42 16 Dec 20

Thank you Casey!!

Regina Green

19:31 16 Dec 20

We just closed a refi with PLC and can’t them enough for great work. Alexis was professional and attentive to all our needs throughout the process. I couldn’t believe how quickly she was able to get us answers and updates.We will refer Alexis and the PLC team to anyone who asks for a referral.

Rodney Delgado

18:36 16 Dec 20

Casey was extremely professional, great communication, and made the entire process very easy. I highly recommend him! Thanks again Casey!

Tony

15:31 16 Dec 20

What a great company to work with. I had no idea what I was getting into with my refinance. Casey guided me through the entire process and really broke it down in terms I actually understood. Highly recommend Premier Lending. Thank you Casey!

Naty R

15:13 16 Dec 20

I had such a wonderful experience with Premier lending Corp. They were very professional, always willing to help and quick to respond to any request we had. I highly recommend Casey Boyd, he made the whole process so simple and really took care of us. Thanks Casey !

Robert Booth

15:10 16 Dec 20

Casey really helped us out. He was very professional and understanding. This process could not have gone any smoother. At first we were stressed out but Casey was there for us every step of the way!

Mayra Rivera

14:29 16 Dec 20

I had the pleasure to work with Casey, and his professionalism and positive attitude made our transaction so much better. Thanks Casey!!!

Marcos Braga

20:27 15 Dec 20

Working with Casey made this process so easy. I’ve purchased homes in the past and it was never such a simple process. Highly recommend!

Kristina Benitez

01:43 15 Dec 20

Matthew LePera

01:19 07 Dec 20

Ben Klee

16:35 02 Dec 20

I built my house in Naples and moved in around March of 2020. I used my bank at the time and I was happy with my rate etc. Fast forward to October/November and I started seeing all the VA streamline options that would drop my rate nearly 1% and save me a substantial amount of money over the term of the loan. I talked with Jordan back and forth about a refi and he broke it down showing me just how much I could save. I dragged my feet a bit because I am stuck in my ways of wanting to keep all my accounts with one bank. Never was I pressured to make a move, Jordan just gave me the numbers assured me it was a good deal and let me decide if/when I was ready. Once we began the process it was almost effortless. I provided a few documents and away we went. I can’t thank Jordan and the team at PLC enough for making this an easy process that is going to save me a lot of money. I highly recommend Premier Lending Corp if you are in the market.

Jennifer Benton

20:49 01 Dec 20

My first time refinancing and it was a breeze. Justin, Juan and Pia were very helpful and informative throughout the entire process. We communicated via email so everything was very understanding and any questions i had, my answer was given that day. I would recommend Premier Lending Corp to anyone. You won't be disappointed.

Hannah Banana

15:43 30 Nov 20

I worked with Jordan Nicolosi over at Premier Lending Corp. If anyone is in need of a mortgage loan, he's your guy! He took the time out to go over every detail of the loan process with me and answered all of my questions (and I had a lot of questions!). He was able to go over different scenarios with me to make sure I got the BEST deal possible. He was patient, informative and really cares about making the customer happy. I highly recommend Premier Lending!

Inti Abdel hernandez

17:06 25 Nov 20

Gerald Champagne

23:54 23 Nov 20

I simply could not be more delighted with Premier Lending Corp. and especially my agent, Casey Boyd.I have actually done two refinancings in the past year, and the service and responsiveness of Casey and Premier cannot be beat.My first refi was with my credit union, which I have been with for many years. The process was agonizingly slow. The representatives were unresponsive. I was repeatedly asked for additional documentation. I applied in November and did not close until February.I was seeking to again refinance using the VA IRRRL since rates were so low. I again contacted my credit union, and was advised that the process would take 4 months.Fortunately, I was able to make contact with Casey Boyd of Premier Lending. He advised that we could close on the IRRRL refi within 3 weeks at very favorable terms. He also advised that there would be no cost unless we closed. Given my experience, I was skeptical, but decided to proceed with Premier.Casey led me through the process, and we did in fact close within 3 weeks. Casey was always able to answer my questions and address my concerns, even if they came up "after hours." The difference between the credit union and Premier was like night and day.Casey was thoroughly professional, and he was always straight with me. If you are considering refinancing, the time window is tight. I strongly recommend Premier Lending and Casey Boyd for a wonderful refinancing process.

Kristie K

23:19 22 Nov 20

We have used Premier Lending Corp for Refinancing as well as to purchase our new home. Manny Fajardo and his team were with us every step of the way! They have been exceptional to work with. They make the entire process smooth and efficient and really take the stress out of everything. I cannot recommend them enough!! If you’re shopping around, please consider reaching out to them! They are truly amazing.

Daniel Garcia

20:26 22 Nov 20

Mortgage

yoani montalvo

17:28 18 Nov 20

Professional and Responsible Agent, I am very happy with his service.

evelyn artola

13:19 18 Nov 20

I couldn’t have asked for a better company to handle the process of my home purchase. Angel and his team are professional, they are always there when you have any questions and most importantly they care about their clients. I highly recommend them!

cody brown

19:02 11 Nov 20

Working with Jordan was a true pleasure. He is very professional and friendly. Jordan was always there to answer any question I had at anytime. Thank you for all the help in this journey. I would highly recommend Jordan and premier lending for anyone looking to buy or refinance a home.

Guillermo Rodriguez

11:18 11 Nov 20

Great Team, very professional, super fast service, no hidden costs, customer oriented, competitive rates, closing was done within a months counting the first day we contacted their Office.We strongly recommend them !! . Great Job !!Thanks Manny & Justin, you are the BEST !!JGR & MF

Mike Friedman

23:59 04 Nov 20

I was thinking about a Refi to my house. I knew Jordan was doing a great job with many of my friends and co-workers with their refi. Within the first 5 minutes of talking with him he was already hard at work on my loan. Within 3 weeks he was able to get me to closing at the lowest APR he possibly could. He saved me over 300 dollars a month. Thank you for your hard work Jordan.

Michael Alfano

15:26 03 Nov 20

Jordan Nicolosi is the Michael Jordan of home financing. Exceptional service with no exceptions!

William Klima

16:41 29 Oct 20

I had the pleasure of working with Mr. Nicolosi. He made everything very easy and was able to answer all my question in a very timely manner. He was very knowledgeable and polite. I have and will continue to recommend him to any and everyone that needs/wants to refinance their home.

Mauricio Ramirez

15:41 26 Oct 20

Best experience ever. I highly recommend Johanny Joseph and Premier Lending Corp. A+++

Sterling Hurst

15:10 24 Oct 20

Just wanted to say thank you to Jordan Nicolosi and every person that I had the pleasure of dealing with at Premier Lending Corp. The refinancing process that I went through was fast and inexpensive, with a great interest rate. Every person that I dealt with answered the phone on the first ring, was very helpful, and went through each document step by step answering any questions I may have had. Thank you again on the quick and painless process of refinancing my house!

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