CREATIVE 1ST MORTGAGE LEARNING CENTER
Loan Programs and Down Payment Assistance
Compare conventional, FHA, VA, USDA, jumbo, and assistance options based on your goals and qualifications.
Florida FHA Seller Credits: 6% Limit and Closing Costs
See how much a Florida seller may contribute to FHA closing costs, prepaids, points, and buydowns, plus limits, excess credits, and disclosure rules. ...more
Loan Programs & Down Payment Help
October 19, 2026
FHA Loans for Florida Triplexes and Fourplexes: Self-Sufficiency Test
Learn how FHA financing works for a Florida triplex or fourplex, including owner occupancy, appraised rents, the self-sufficiency test, and approval steps. ...more
Loan Programs & Down Payment Help
October 17, 2026
Can You Use Borrowed Money for a Florida Mortgage?
Can a Florida homebuyer use a credit card, personal loan, gift, or secured loan for a mortgage down payment or closing costs? Learn what to ask first. ...more
Loan Programs & Down Payment Help
October 15, 2026
VA Funding Fee Refund After a Disability Rating
Learn when a later VA disability award may support a funding-fee refund, which documents may help, and where to start your request. ...more
Loan Programs & Down Payment Help
October 14, 2026
Florida Conventional Mortgage With 3% Down: What to Know
Can you buy a Florida home with 3% down? Learn how income, credit, PMI, cash to close, property type, and FHA comparisons affect conventional loan choices. ...more
Loan Programs & Down Payment Help
October 09, 2026
VA Loan After Foreclosure in Florida: Restore Entitlement
Can you use a VA loan after foreclosure, short sale, or deed in lieu? Learn how entitlement, the COE, VA loss, and credit review affect your next Florida purchase. ...more
Loan Programs & Down Payment Help
October 09, 2026
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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
. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEB SITE AT WWW.SML.TEXAS.GOV