Your First Home Starts Here
First-time homebuyers in Miami can compare FHA, Conventional, VA if eligible, and down payment assistance options rather than assuming they need a large down payment. Quest Mortgage Services reviews your credit, income, savings, and purchase plans to identify suitable programs and estimate your payment and cash to close. Assistance depends on eligibility and availability.
Get a Free Mortgage ConsultationDown payments as low as 3% (and 0% down on VA loans for eligible buyers — official details: https://www.va.gov/housing-assistance/home-loans/loan-types/purchase-loan/)
Down payment and closing cost assistance available
Free pre-approval so you can shop with confidence
FHA, Conventional, and VA options
Local Miami expertise — we know the neighborhoods
Step-by-step guidance from application to closing
Quick conversation to understand your goals, budget, and timeline.
We compare programs side by side and find the lowest cost path to ownership.
Get pre-approved fast so sellers take your offer seriously.
We coordinate with your realtor, title, and underwriter through closing.
Eligibility
Have not owned a primary residence in the last 3 years (most programs)
Minimum credit score of 580 for FHA, 620 for Conventional
Steady, documentable income (W-2 or self-employed accepted)
Buying a primary residence in Florida — Miami-Dade, Broward, or surrounding counties
Debt-to-income ratio typically under 50% (program dependent)
Completion of a HUD-approved homebuyer education course (some assistance programs)
The Process
We learn your goals, budget, and timeline at no cost.
Submit basic docs and get a pre-approval letter in 24–48 hours.
Shop confidently with your realtor and a verified loan amount.
We manage appraisal, underwriting, and closing day for you.
FAQ
Most first-time buyers in Miami need 3%–3.5% down (Conventional or FHA), plus closing costs of about 2%–3% of the purchase price. On a $400,000 home that's roughly $14,000–$26,000 total — and down payment assistance programs can reduce that further.
FHA loans accept scores starting at 580, and Conventional loans typically start at 620. We work with buyers across the credit spectrum and can suggest quick steps to improve your score before applying.
Yes. Florida offers the Miami-Dade Infill Housing Initiative for eligible buyers. We help you check eligibility and stack programs where possible. Miami-Dade County's official program page: https://www.miamidade.gov/global/housing/infill-housing-homebuyers.page
Most pre-approvals are issued within 24–48 hours of receiving your income, asset, and credit documentation. Pre-approval letters are typically valid for 60–90 days.
Yes — condos are common in Miami and eligible under FHA, VA, and Conventional loans, provided the building meets approval guidelines. We check project eligibility before you write an offer.
Get In Touch
Have a question about buying, refinancing, or which program fits your situation? Reach out for a free consultation — Frank responds personally.
Phone
(305) 299-6995Office
3105 NW 107th Ave, Suite 400-H5, Miami, FL 33172