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Homebuying Basics for First-Time Buyers
Learn the mortgage process, expected costs, timelines, and decisions so you can prepare confidently before making an offer.
FHA Loans in St. Petersburg, FL | 2026 Buyer Guide
Learn how FHA loans work in St. Petersburg, including 2026 Pinellas County limits, down payments, condos, multi-unit homes and buyer assistance. ...more
Homebuying Basics & First-Time Buyers ,Loan Programs & Down Payment Help
August 21, 2026•9 min read
Stop Renting? A First-Time Home Buyer Guide to Buying With a Plan
Learn how first-time home buyers can compare renting and buying, prepare for mortgage pre-approval, explore loan options, and avoid costly mistakes. ...more
Homebuying Basics & First-Time Buyers
November 25, 2025•10 min read
How Serious Is the Current Housing Shortage And What Gives Buyers an Edge?
A Deep and Growing Gap Between Demand and Supply The housing shortage we face today is not a temporary hiccup — it’s the result of years of underbuilding, growing household demand, and systemic barri... ...more
Homebuying Basics & First-Time Buyers
September 29, 2025•3 min read
Is the 28 % Rule Still Valid for Homebuyers?
When planning to buy a home, many people turn to simple “rules of thumb” to guide them. One of the most popular is the 28% rule: your monthly housing costs (mortgage, taxes, insurance, etc.) should no... ...more
Homebuying Basics & First-Time Buyers ,Mortgage Pre-Approval & Qualification
September 29, 2025•3 min read
How Much Home Can I Afford — And What Will My Monthly Payments Be?
Buying a home is exciting — but one of the first steps is figuring out how much you can comfortably afford and what your monthly mortgage payments will actually look like. ...more
Homebuying Basics & First-Time Buyers
April 28, 2025•2 min read
Will the New Administration Crash the Housing Market? Key Factors to Watch in 2025
The real estate market is one of the most closely watched sectors of the economy, and every new administration brings changes that can impact home prices, interest rates, and overall market stability.... ...more
Homebuying Basics & First-Time Buyers
March 04, 2025•3 min read
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Creative 1st Mortgage, LLC | NMLS# 2614631 | Licensed in AL, FL, KY, MN, TN, TX | 727-914-9397 | [email protected] | 447 3rd Ave N #210 Saint Petersburg, FL 33701 | Equal Housing Opportunity | Pursuant to the requirements of Section 157.0021 of the Mortgage Banker Registration and Residential Mortgage Loan Originator License Act, Chapter 157, Texas Finance Code, you are hereby notified of the following: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. | COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV
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