Financing Your New CitrusCraft Home
At CitrusCraft Homes, we believe everyone deserves their dream home. Understanding your financing options is a crucial step in making that dream a reality. Let's explore the various loan programs available to help you purchase your new CitrusCraft home.
FHA Loans: Making Homeownership More Accessible
For many first-time homebuyers, FHA loans offer an excellent path to homeownership. These government-backed mortgages feature:
Down payments as low as 3.5%
More flexible credit requirements
Higher debt-to-income ratio allowances
Competitive interest rates
With FHA loan limits recently increased to $472,030 in our area, all CitrusCraft homes fall well within these guidelines, making them an ideal choice for qualified buyers.
USDA Rural Development Loans: 100% Financing Available
Many CitrusCraft Homes are built in locations that qualify for USDA Rural Development loans, offering:
No down payment required
Lower PMI premiums
Competitive interest rates
Flexible credit requirements
These loans are perfect for moderate-income buyers looking to enjoy the benefits of suburban living in our carefully selected community locations.
Conventional Loans: Traditional Financing Solutions
For buyers with strong credit profiles, conventional loans provide:
Down payment options starting at 5%
Ability to remove PMI once 20% equity is reached
Various term options (15, 20, or 30 years)
Both fixed and adjustable rate options
Competitive interest rates for qualified buyers
The CitrusCraft Advantage
Our homes are designed to meet the requirements of all major loan programs, and we've built strong relationships with trusted local lenders who understand:
Our building processes
Home specifications
Community requirements
Local market conditions
Expert Guidance Throughout Your Journey
At CitrusCraft Homes, we don't just build houses – we help create homeowners. Our team will:
Connect you with experienced lenders
Guide you through the qualification process
Support you from application to closing
Making Your Dream Home Affordable
We've carefully designed our homes and pricing to work with today's most popular loan programs. Many CitrusCraft buyers are pleasantly surprised to discover that their monthly mortgage payment is comparable to or less than their current rent.
Take the Next Step
Your dream home is within reach. Contact us so that we can help you find the perfect financing solution to make it happen.