credit building & counsel

Need help building your credit and saving for a down payment? These are excellent resources in the journey to home ownership:

HANDS of Central Florida, a HUD-Certified Housing Counseling Agency

HELP Community Development Corp., a HUD-Certified Housing Counseling Agency

The US Department of Agriculture offers payment assistance for households meeting certain income limits in certain eligible "rural" areas. There are parts of Orange, Seminole, Volusia, and Osceola counties that are surprisingly eligible! At 100% financing this loan requires NO down payment what so ever!

USDA "Single Family Housing Direct Home Loans" for low- and very-low-income applicants buying housing in rural areas. 

Check address eligibility here

USDA "Single Family Housing Guaranteed Loan Program" for low- and moderate-income households buying housing in rural areas.

Check address eligibility here

additional resources