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 215 reviews

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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

Aaron Preston

17:57 23 Mar 21

Alexis VanLandingham is who you want to work with! My credit score dropped almost 60 points from an 830 trying to find the right mortgage before I went to Alexis @ Premier. I have a somewhat weird property and lenders would either outright deny me or let me go through the entire process, telling me it wasn't an issue and then I would be denied. I was so frustrated!I told Alexis my issues and she actually went and did her research before she let me go through the application process so we wouldn't waste each other's time. Proactive and responsive within minutes every time via text or email, she went above and beyond to see my loan through the finish line and make my life so much easier. I wish my first lender had been this great or I never would have had to refinance in the first place!Thanks Alexis

Monica Velasquez

21:19 21 Mar 21

Buying a property is always exciting but also stressful. Trusty help is always needed. We have the opportunity to work with Premier Lending and directly, with Elias Loredo, since the decision making process through the closing date. I am so glad we always had an honest person with great advices and trustful knowledge about each step we went through. Elias always had the time to answer our calls even during weekends and he was very empathetic and receptive with us all the time.

Brian DiNunzio

18:14 20 Mar 21

Alexis was a pleasure to work with. Not only is she knowledgeable and helpful, she was patient and extremely attentive. Any time I had a question or needed help she was on top of it!Alexis helped navigate me towards the perfect refinance and I highly recommend her and Premier Lending Corp. Even if you're just looking right now don't hesitate to contact her!

carmen benitez

14:26 18 Mar 21

Elias and his team are knowledgeable and were completely honest and thorough informing us through our process of being to approved of a home, purchasing our home with our qualified loan, and even after explain what we will pay, how much we will pay, and when our payments were to start. We were well informed from the beginning and all our questions were answered fast and accurately. We purchased the home we were looking for with the price range we wanted. Even to this day 6 months later, Elias Loredo is providing the assitance we need to make sure our home is covered. He and his team deserve more than 5 stars. You will not regret working with Elias.

Lai VM

21:51 17 Mar 21

I was very happy with premiere Lending CorpElías Loredo our Loan originator were always head ups with me and he guide me from the begging at the end I definitely recommend them and Elias.

Edward Pino

19:05 17 Mar 21

My wife and I were truly blessed that Alexis, our Loan Originator, truly made our first-time home buying experience easy and stress-free for us. From the pre-approval all the way to closing on the house, she was available and very communicative on any and every question we had about the process. She's very knowledgeable from her experience and I highly recommend going with her as she shopped around for the best interest rates, had great recommendations to insurance options as we had to compare who would give us the "bang for our buck" and her friendly holiday emails are a nice touch to show how caring she is on going the extra mile to satisfy her client needs. Thanks for all the help and will be referring my family/friends to any future business they may need in refinancing or new home loans.

Linda Fernandezr

03:28 17 Mar 21

I am so happy with how Elias Loredo helped me with my loan. He was a Godsend. My first time buying and he was so kind and patient with me, even when I had to call him on a Sunday. Explaining everything to me, every step of the way. Plus, he got me a great rate. I truly recommend him. 😁

Kasandra Landrian-Ramos

01:31 17 Mar 21

When we were searching for a home we decided to work with a Broker as we heard that it could help with the pre-approval process and allow the home buying process to work more smoothly.My husband checked reviews online and came across Premier Lending Corp. At first I was weary and unsure if this would actually work and help us, but we decided to meet with a Broker from Premier Lending Corp., and we were paired with Casey Boyd. We initially met Casey over a year ago when my husband and I wanted to obtain more information about the home buying process and what we needed to do to get pre-approved. Casey was incredibly patient and answered all of our questions (and we had lots of questions). Casey guided us through the process and was thorough and honest. We left that meeting with a detailed summary of what we would need as a down payment and an estimation of closing costs. This allowed my husband and I to work on a plan to get us there. One year later, we were ready to buy. We reached out to Casey and it worked like clockwork! We were pre-approved and from there soon after we were able to reach our dream and buy a home! Casey was readily available via phone, email, and text. Casey answered all our questions and did his research and he quickly became someone that we could trust and we looked to him to guide us, and he always did!We highly recommend you seek the assistance of a Broker, but not just any Broker, an AMAZING one, like Casey Boyd. You won’t regret it!****To add, Casey’s team members Victoria and Pia were amazing too!

Juan Jose Garcia

21:02 16 Mar 21

Keila Gonzalez

16:40 16 Mar 21

Elias loredo was ,on point very reliable always there when qe needed him 🌟🌟🌟🌟🌟

yenny susi patino

15:48 16 Mar 21

Tatiana Colmenares

13:41 16 Mar 21

We are very grateful and happy with the service we receive, always very professional, efficient and very respectful. Just thank you Elias Loredo for your excellent service.

Ricardo Licona

21:11 15 Mar 21

Diana Gonzalez

19:52 15 Mar 21

Carmen Elices

19:39 15 Mar 21

Leonard Theriault

17:58 12 Mar 21

The continual and professional care shown by Chris Frietes was far superior to any other loan consultant I have eve4 dealt with.

Big Dan

17:48 10 Mar 21

My wife and I recommend Jordan Nicolosi to everyone who is looking to buy or refinance their home. We have worked with Jordan several times over the past few years and couldn’t imagine working with anyone else. Refinancing or buying a home can be very stressful and a big decision to make. But Jordan made each step feel seamless with his Transparency and Knowledge. He stayed available to answer any concerns we had along the way. We never felt like we were going into anything alone or blindly because Jordan was very Thorough, Reliable, Honest and his friendly nature made the experience that much more enjoyable! We are never disappointed and always have a great experience with Jordan Nicolosi. If you’re looking for all the qualities someone needs to help you through this process. Go with him.

Osmel Masson

17:03 10 Mar 21

I can honestly say Javier made my mortgage refinance experience a very pleasant one. From our first phone conversation he explained each and every option that was available to me and I never felt pressured into any decision. My phone calls, emails, and text messages were handled in a professional and timely manner. I really couldn't imagine my refinanckng process being any easier, I took around three weeks since my first contact with Javier to the closing. Even now that the closing is done I would still feel 100% comfortable calling Javier with any questions. He extended his expertise beyond the scope of the business deal and I look forward to contacting Javier for my next home purchase or refinance. I did the closing at home and the title company personnel answer all my questions in a very professional way. This is like the 8th time I make a closing in a property as buyer / seller / refinancing and this was the most pleasand experience of all without any doubt. The key was the professionalism and knowledge of Javier as well as I provided all the requested docs in a timely manner. Thanks for everything Javier!! " congratulation to Premier Lending for such a great team of professionals.

Tracy Abraham

13:03 09 Mar 21

we recently refinanced with Premier Lending after Gus , who had also been our realtor,reached out to us to share the new mortgage interest rates. Gus made the process as seamless as he had done during our home purchase 3 years ago. Highly recommend refinancing with this local broker.

Thomas Diaz

21:18 04 Mar 21

Very pleased with the performance and service received! Will definitely recommend to my friends and family. Thanks Jordan!

Anthony Pellegrino

03:06 04 Mar 21

Mr. Flores made my refinancing experience a pleasure. He was highly responsive to email, text and available to call whenever I had questions about the process. It was a pleasure doing business with this company, and I would highly recommend it to anyone who is in the market for the services Premier Lending Corp offers. Thank you for a great experience.

Robert Robbins

12:35 02 Mar 21

As repeat customers of Jordan Nicolosi & Premier Lending, we once again had a smooth, on time experience for our home refinancing. Jordan was great and responsive, making sure we had all the information we needed. Highly recommended.

Christine McKenna

22:20 01 Mar 21

Jordan Nicolosi of Premier Lending Corp was fantastic to work with and he accomplished getting me the loan that I needed! He was always responsive and helpful and handled all of my questions so professionally! I would not hesitate to recommend Jordan and Premier to my friends and family!

Angela Castiglione

01:51 01 Mar 21

Premier Lending Corp has mastered the process of not only making people feel extremely comfortable when refinancing a home, but also making it painless. Jordan was so professional and answered all of my questions in a timely manner. I would definitely recommend them.

Tanner Huysman

20:18 25 Feb 21

Great group to work with for securing a mortgage for our house. Juan in particular was fantastic, always available, and answered questions as a first-time homebuyer that I had throughout the process and went above and beyond to ensure we were taken care of throughout the process. Fantastic team - look no further.

Amanda Lagas

17:34 25 Feb 21

jorge reyes

22:36 23 Feb 21

Angel was very professional and diligent throughout the whole process. We are able to close quickly at a very low rate and saved a lot of money. Thanks again Angel

Joe

19:55 22 Feb 21

Alexis was awesome and made our refinance very easy

Ben Hershkovich

21:38 19 Feb 21

I had an amazing experience. Closed in almost 3 weeks! Process was very simple. Alexis is the best to work with!!

Daniel Moran

00:05 19 Feb 21

Premier Lending Corp handled my refinance while providing education, constant communication, and great customer service. Jordan Nicolosi was very patient and guided me along each step in the process. His team provided frequent updates on each step of the process. Jordan was able to answer all of my questions and always acted as a true professional supporting me through the entire process. This is a top notch company that I highly recommend. Jordan and his team will definitely earn my business again in the future.

heather bergan

21:46 17 Feb 21

Jordan was fantastic! Highly recommend!

Todd Workman

14:26 15 Feb 21

When my wife and I decided to refinance our home, we wanted someone who would make the process as easy and pleasant as possible. After doing some research and reading reviews, we decided to go with Jordan Nicolosi at Premier Lending Corp. and we could not be happier with our choice. Jordan was knowledgeable and friendly. He promptly answered any and all questions, even ones that popped up “after hours.” The entire process was great and we are very happy with our decision to use Jordan at PLC to refinance our home.

Scott Evans

04:54 12 Feb 21

Angel Unzalu was awesome from start to finish. The process was smooth and the rate was fantastic. Any challenges were resolved very quickly to make sure we stayed on course. I was very glad to have Angel on my side and I would highly recommend him in the future!!

Baron Crager

02:39 12 Feb 21

Jordan Nicolosi helped us refinance our home recently. We were concerned it would be complicated and a hassle. But, Jordan always made himself available whether by phone to text with a prompt and informative response. It made our transaction simple and easy.

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