So, you’re ready to find your first home in Northeast Florida. But where do you begin? And what resources are available to help you in Jacksonville, St. Augustine, Orange Park, or anywhere in our six-county region? Here’s what you need to know as you embark on your homeownership journey:
Who is considered a first-time homebuyer?
The definition of “first-time homebuyer” might be broader than you think. For example, it can refer to someone who has never owned a home, someone who has not owned in the past three years, or even a single parent who previously owned a home jointly with a spouse. Definitions may vary by program, so be sure to check here for the Federal Housing Administration’s definition of a first-time homebuyer.
How do I find an agent in Northeast Florida?
With home prices in our region recently climbing near $400,000, REALTORS® are an invaluable partner in helping first-time buyers navigate a competitive market. An agent can connect you with listings in Jacksonville, St. Augustine, Fernandina Beach, or rural communities that fit your budget and lifestyle. They’ll also accompany you to showings, help you understand neighborhood trends, and negotiate on your behalf. Before choosing an agent, consider asking them questions like:
- How well do you know neighborhoods in my price range (for example, Northside Jacksonville vs. Middleburg)?
- What first-time buyer programs do you recommend locally?
What is a written buyer agreement?
In Florida, your REALTOR® may need to establish a written buyer agreement before showing you homes. This agreement spells out what services you can expect and how your agent is compensated. The terms are fully negotiable—don’t hesitate to discuss what works best for your situation.
What are my financing assistance options in Florida?
First-time buyers in Northeast Florida have several options to make homeownership more affordable:
- Conventional loans through banks, credit unions, or mortgage companies. Many local lenders are familiar with down payment assistance programs.
- Federal loan programs from FHA, VA, or USDA (the USDA program is especially popular in rural Northeast Florida counties like Baker and Putnam).
- Florida Housing Finance Corporation (FHFC) programs, such as Florida Assist and the HFA Preferred Grant, provide down payment and closing cost help for qualifying buyers.
- Local initiatives, such as the City of Jacksonville’s Head Start to HOME Ownership (H2H) Program, may provide additional assistance.
Ask your REALTOR® about which programs you may qualify for.
Can I reduce upfront costs?
Yes. Some sellers in Northeast Florida may agree to pay closing costs or concessions to make a deal work. You may also negotiate for the seller to cover your agent’s compensation as part of your purchase offer. Your REALTOR® can advise you on when these strategies are most successful in our current market.
What other resources are available locally?
Northeast Florida REALTORS® and housing organizations provide additional support, including:
- HUD-approved housing counseling through Jacksonville Area Legal Aid and other nonprofits.
- First-time homebuyer education courses offered online and locally through Florida Housing.
- Market updates and data from realMLS and NEFAR to help you understand price trends and affordability.
How do I know what’s best for me?
Working with a REALTOR® means having a professional by your side who follows the REALTOR® Code of Ethics, putting your interests first. Your agent will help you compare options, evaluate neighborhoods from Riverside to St. Augustine Beach, and create a plan to get you into your first home with confidence.
Final Tip: Rules and practices vary by state and locality. Always consult your REALTOR® and, when needed, a Florida real estate attorney to ensure you understand the laws and contracts before you purchase.
