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.

See What Our Clients Are Saying About Us!

Premier Lending Corp

5.0

Based on 247 reviews

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Vittorio Mazzella Di Bosco

19:16 18 Jun 21

As a Realtor I have worked with Jordan Nicolosi many times now on deals for my borrowers and I cannot speak highly enough in regards to his loan process. The majority of my borrowers have been first time home buyers, not only does Jordan make the entire process stress free but he goes the extra mile to educate and inform my clients on every step along the way before they can even ask a question! I look forward to working with Jordan and Premier Lending on transactions moving forward as they really do make things seamless. Thank you for always putting my clients first!

Laura Harely

15:35 18 Jun 21

Leonel Sierra

13:52 18 Jun 21

Maria Terrana

12:36 18 Jun 21

What an amazing experience!!! Great teamwork, they are on top of everything. Gus and Victoria are wonderful. This was not my first time getting a loan and what a difference!! I did not have to wait for response if I had a question. Very fast, professional, taking their time to explain everything and help you in any way they can. I would recommend Premier Lending Group to anyone - stop looking, reach out and you will see it for yourself.

scott garrity

22:41 17 Jun 21

I am so glad that I had the opportunity to work with Chris Freitas at Premier Lending Corp as he is extremely knowledgeable in what he does, works diligently to get the best results and we so valued his professionalism. My husband and I got the house of our dreams and Chris did all the work. We are truly grateful and he will be our go to ALWAYS when purchasing another home in the future. ***** THE BEST EVER!

Daniel Beaucage

12:43 15 Jun 21

I have closed 3 mortgages so far with Justin Rode at Premier Lending Corp and only experienced Success...i will recommend their services all day long...Thank you Justin, it was a pleasure working with you.

Tracy Webster

09:12 15 Jun 21

This is the second time I have done business with this company and have zero regrets. Manny, Casey, and Victoria are top notch. It is already stressful enough to purchase a home or refinance but they make the process smooth and absolutely amazing!!!!! If you have a question or a concern, they get back to you immediately and put you at ease. Manny is a true professional and makes you feel like you are one of his family members. I won’t hesitate to refer my friends and family members here.

Yvette Chandler

00:27 13 Jun 21

This organization is awesome! I have never worked with such a caring, professional and proficient person as Manny Fajardo. I recommend any one who is interestedbin refinancing to comtact him. I guarantee you will not be disappointed, and you will want to thank me for referring him.

James Chinnici

23:13 11 Jun 21

Premier Lending was phenomenal. We worked with Jordan who was 5 steps ahead of everything we needed! The professionalism, care, and follow up we received from using them as our lender was second to none. If you’re looking for a hassle free and smooth buying process we recommend Premier Lending without a second thought!

Ana Ocampo

15:39 11 Jun 21

He was able to make our closing very short, he was always available to answer our questions. We are very satisfied with the service of Mr. Angel.

Alan Wasserman

06:15 31 May 21

My experience with Premier Lending Corp and their Senior Load Originator David Civita was seamless from start to finish. The personal at attention that I received from Mr Civita was second to none and made my the home purchase a pleasant experience. I would definitely recommend Premier Lending Corp and David Civita if you are looking for a mortgage.

SteveZ

23:11 26 May 21

I worked with Michael Savitt. Got quotes from some of the big guys and ended up going with Premier and Michael. Their quotes were as low as anyone else’s but the difference is the personal attention Michael gave me. He made it easy and walked me through the steps as I needed it. With the other companies I felt I was just a number but with Premier it was friendly personal service. No reason to go anywhere else.

Mina Mounir

20:14 26 May 21

Alexis VanLandingham was a great Senior Loan Originator. The process went by quickly and was very smooth. She is such a great loan originator and highly recommended.

Kevin Kennedy

19:28 26 May 21

These guys were great. Manny and Casey really took care of us in processing our refi. They stayed on top of all parties involved and kept us on track for a quick process. Highly recommend using Premier Lending.

Brian Reidy

22:58 24 May 21

Ana Maria Auad

13:08 20 May 21

Muchísimas Gracias Johanny , eternamente agradecida por tu profesionalismo, tu dedicación, amabilidad , y comprensión de nuestras necesidades e inquietudes en todo el proceso . Mil gracias !

Jim Head

16:17 17 May 21

Alexis VanLandingham is the real article! She is quick, articulate, competent, and thorough. Doing a mortgage nowadays? I'd rather go to the dentist. It's daunting to the consumer. So many "I's" to dot and "T's" to cross. Having someone efficient to manage it for you is the only way to go. Thank you Alexis. It was a great experience! Now all I have to worry about is delaying the dentist.

Jamie Richardson

22:57 15 May 21

Leonard Theriault

18:23 12 May 21

The continual and professional care shown by Chris Frietes was far superior to any other loan consultant I have ever dealt with.

Mitchel Q

02:41 12 May 21

We just finished refinancing our home and all I can say is WOW! Jordan from Premier Lending Corp was nothing shy of exceptional. He made the entire process seamless from beginning to end. No matter the day or time he was always readily available to answer any questions we had and provide the guidance needed to progress through the process of closing. I wish that my previous experience was this easy. We now know who we will always use moving forward. He treated us more than just another client but more like family and was attentive and so thorough through every single step of the way. That says a lot because I'm the type of person who's always wanting to do research upon research but Jordan made me feel at ease and I trusted him 150%. We HIGHLY recommend Jordan from Premiere Lending, he will get the job done and make sure you feel a part of the whole process.

Jamie Russo

21:44 11 May 21

We worked with David Civita, he was great. He worked hard to get us the best interest rate possible. He also made sure that refinancing our mortgage at this time would still be financially beneficial to us after all fees and closing costs were taken into consideration. He walked us through every step of the process to make sure we understood everything. He helped make the entire process quick and easy, going above and beyond by reaching out to insurance companies and the property appraisers office for us. The best experience I’ve ever had getting a mortgage. I would highly recommend them.

Gigi M Nejad

15:07 11 May 21

About 2 months ago, I was shopping around for a refinance on my condo, ready to lock a low interest rate in ASAP. Premier Lending was the first call I made and Justin Rode provided absolutely wonderful service, start to finish. From our first email exchange to closing (just under a month), Justin guided and advised whenever I asked (but did not push us one way or another). He was very clear, thorough and communicative, emailing and setting up calls to fit my schedule. I waited about a month after closing to write this review to make sure there were no hiccups, and there were not. Everything finalized in the order and timeline that Justin outlined for us. Very happy customer here!

Rebecca Terrell

00:31 11 May 21

Jordan helped me refinance my mortgage in a timely manner. He was a pleasure to work with, very knowledgeable, and extremely timely. If I had a question he was eager to answer my calls. Thanks Jordan for making it a great experience!

Joseph Piccolo

16:32 07 May 21

This Loan is like a fine bottle of wine only getting better with time! Jordan Nicolosi gave us his full attention when it came to this loan and helped up through every step of the process. I could not have asked for a more attentive to detail and knowledgeable agent. He gave us all the options, the best rates/fees we were able to find, and, in the end, helped us decide what worked with our situation. In my opinion, you should not look any further for your home loan needs than PLC and Jordan Nicolosi!

Zoran Bursac

17:51 06 May 21

Manny is great, timely, provides best information and advice, responsive and available for questions. COVID slowed my refinance down however as soon as jumbo market opened back up Manny contacted me and things actually worked out even better, rates were lower and property value increased, we closed within weeks...pain free. Thank you, I will return for future business and recommend to my friends and colleagues.

Lindsay Poulos

23:36 05 May 21

Loved working with Alexis! She was on top of everything and available for any question I had which made it a really enjoyable process. I am super detail oriented and so I appreciate the same from others. Alexis exceeded expectations - thank you

mlkes tunes Mike

13:35 05 May 21

James Russo

13:13 04 May 21

Dave Civita was very thorough and responsive to our questions - great experience !

Kevin Gleason

21:13 03 May 21

Jordan was an awesome mortgage broker. He was super helpful with explaining all of the little details that go into purchasing a home and taking out a mortgage. He updated us during every step of the process. As a first time homeowner, I asked many questions and Jordan was always responsive and explained things in detail so that I can understand thoroughly what to expect. I will continue to use Jordan and recommend him to friends and family. We can't thank him enough for his guidance throughout this process.

sawgrassford1

21:12 03 May 21

Dave Civita was very helpful and was quick to answer any questions I had. He made the entire process very easy. I am extremely lucky to have had someone so professional. Thank you Dave.

Suzanna Danielle

19:35 03 May 21

Cannot thank Jordan Nicolosi enough for assisting us with our first mortgage. Jordan was patient and kind as we maneuvered our way through our first home purchase. He reassured and assisted us with every single one of our repetitive questions. We will use him as our mortgage broker from now on. The entire process mortgage process was so smooth thanks to him. I cannot thank him enough! 10/10 will recommend him to everyone I know!

David Owens

23:23 22 Apr 21

Alexis VanLandingham made the refinance process so easy and flawless. I highly recommend her along with Premier Lending.

Brenda Scaggs

18:42 20 Apr 21

Alexis VanLandingham handled our refinance and we were very impressed with her professionalism and responsiveness. We had one issue with our loan (our issue, not Premier Lending) and Alexis was very patient with us while we took care of the issue. We would highly recommend Alexis to our friends and neighbors.

Clint Smethurst

01:33 16 Apr 21

Javier was professional through the whole process even promptly responding to email questions into the night. Got the best deal after shopping multiple mortgage companies. Highly recommend

Kenneth miranda

22:32 08 Apr 21

I recently used Premier Lending for the refinance of my home and second mortgage. Dave Civita went above and beyond to ensure we had the best rate and experience. Previously used other lenders twice and failed to get anything accomplished. This was definitely not the case with Dave and Premier Lending! From start to finish was less than 30 days! He even made sure we closed early due to me going on vacation so I wouldn’t be penalized. I can’t thank them enough for their hard work and professionalism. I will definitely use them in the future and would refer anyone needing lending help to Dave! Thanks again Dave and Premier Lending!

Pierre Colin

21:41 06 Apr 21

Jordan and his team at Premier Lending were great from the very first day to the final closing day!!! Jordan always went out of his way to make sure I understood everything that was going on with the loan and made this process very smooth for me. Thank you again Jordan and your team, I can’t say enough how pleased I am with my experience with Premier Lending Corp.

Kevin Kernan

18:41 06 Apr 21

After a pretty extensive search to find a lender for our refi, we settled on Premier Lending and could not have been happier. Our loan originator was Chris Freitas and he provided numerous options for us to consider and worked closely with us to help us decide on the best one. Once we decided to move forward, we were approved the next day and had a clear to close in less than two weeks. Chris was very responsive to calls and emails and knowledgeable about all the options available. Highly recommend.

Jessamine Marcy

18:28 01 Apr 21

Great company! They were very professional. I even closed earlier than expected. Everything ran very smooth. I highly recommend!

Daniel Gonzalez

13:59 31 Mar 21

I did my recent mortgage refi with Premier Lending Corp and I had an amazing experience. This is naturally a stressful process but in the hands of Chris Freitas it was smooth, easy, and simple, just what I needed. They have a fantastic team but Chris was by my side all along the length of the process. He was courteous, professional, and extremely knowlageble. I sincerely recommend Premier Lending and Chris to anyone out there looking for a new mortgage loan or refinance an existing one.

Brittany O'Connor

21:22 30 Mar 21

We went to PLC for our refinance after dealing with another company that was extremely difficult to work with and misleading. We wish we went with PLC right away! Chris Freitas worked very fast and was straight forward about everything! Didn't waste our time with back and forth, easy to use document uploading and got us a better rate than we were able to find anywhere! Chris is the best and we look forward to using him again for all our needs in the future!

Angelique Hernan

23:51 29 Mar 21

Elias Loredo offered a good experience, good interest rates, definitely I would recommend him.

Alexandra Herrera

22:17 29 Mar 21

elias toledo is amazing tku so muchhe is the best lender

Norma Mujles Carter

21:37 29 Mar 21

Working with Elias Loredo was a great experience, he was able to close in great time, I am a realtor and we closed in 15 days . Bravo Elias more closing in on our way.

Irma Muñiz

19:45 29 Mar 21

The services provided when I bought my condo wasFantastic. I recommend their service 100 per cent.Specially to Elias Loredo who was on top of every little detail. If the time comes for me to buy anotherProperty will use their services again.

Jessy Nick

17:12 27 Mar 21

Angel was a great help when I wanted to refinance my house! Made it pretty quick and painless! Super nice and easy to get a hold of if I needed. I will definitely recommend him and Premier Lending Corp to friends and family!Thanks again!

Caitlin Posner

18:51 26 Mar 21

When you’re not already in the business, refinancing can be a super intimidating task. We came to Jordan Nicolosi, not once, but twice for our refinancing needs—and both times, our experience was nothing shy of exceptional. Jordan walked us through the entire process, educating us every step of the way, and never once pushed us towards making any decisions. With Jordan, there is no such thing as a stupid question. He was consistently very patient and always made himself available to address any concerns we had—no matter what time day or night. We felt comfortable and confident the entire time, knowing that Jordan wouldn’t steer us wrong. He truly kept our best interests in mind, and only ever advised to do what makes the most sense for us. I’ve already referred some close family members to him for his guidance because I trust that he will take care of them as he did us.

Kate S

21:26 25 Mar 21

Jordan was exceptionally responsive. Wonderful experience from start to finish. Will definitely keep him in mind for any needs going forward.

Feonia Terrelonge

17:54 25 Mar 21

Elias was a great Lender for me and my husband Rodney. He was able to work with us and get us approved for a new home in 2019. Elias did everything to make sure we got the house that we wanted. I've been recommending him to my friends and any I know that's looking for a home.

silvia bunting

21:23 23 Mar 21

I worked with Jordan Nicolosi to refinance my house. He was very knowledgeable to explain the complexity and intricacy around closing cost, interest rate, and how to compare rates between different quotes. He was very responsive, whether it was late at weeknight or in the weekend. He monitored the entire process until the closing and advised accordingly. It has been a very smooth and stress free process. We are very satisfied with the service rendered Jordan and the firm. We will work with Jordan again in the future.

Laura Samaniego

20:52 23 Mar 21

Alexis VanLandingham is an angel. I wish I can give her more than just a 5 *****. She make my investment property refinance process so stress free. She guided me through the entire process. I feel that she was holding my hand every step of the way. She is very knowledgeable, explained every step of the process to me ,always had the time to answer my calls, emails, texts (a lot of them) even during nights and weekend. During this process I lost my sister( I needed to travel overseas) and we needed to put a hold to the process. Alexis was so empathetic and she shows so much compassion. I will always thanks her for that. She is the very BEST. She was still able to help me get a great rate and make sure I closed on time. I am already highly recommending Alexis to friends and family. She is very knowledgeable, very professional, and a great person.Thanks so much,Laura

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