First-Time Buyers

A guided first purchase — 3% and 3.5% down paths, down-payment assistance guidance, and honest math from 'can we?' to keys.

Zack Bolan, Broker / Owner

Coastal Community Finance

Phone: (941) 705-1260

Email: [email protected]

NMLS# 1154530

Company NMLS# 1823048

Licensed in: FL, GA

First-Time Buyers

A guided first purchase — 3% and 3.5% down paths, down-payment assistance guidance, and honest math from 'can we?' to keys.

Your first keys, well charted.

From first budget to keys in hand.

No mystery milestones.

What a first-time buyer file needs.

Four marks to the dock.

Conventional, FHA, or assistance?

The questions behind the questions.

Wondering whether “someday” is closer?

Loan Programs → First-Time Buyers

You do not need to arrive knowing mortgage language. We turn the first purchase into a visible route — budget, pre-approval, offer, inspection, underwriting, keys — with honest numbers and one person to call at every marker.

The home buying process

Six clear markers — so you always know where you are and what comes next.

Why it works here

Every stage has a purpose, a short document list, and a next move. You always know what we are waiting for and what you can do today.

The checklist

The sequence

Compare the starting paths

Simplified comparison — actual availability and pricing depend on credit, property, and program guidelines at the time you apply. See down payment assistance programs →

First-time questions

Bring a rough budget and the questions you feel you should already know. We’ll map the next practical steps, with no pressure to shop before you are ready.

Steady purchase, investor, renovation, and refinance lending for coastal communities — with clear numbers and one point of contact.

Explore

Programs

Contact

Mon–Fri 8–6 · Sat 9–1

© . All rights reserved. This is not a commitment to lend. All loans are subject to credit approval and program guidelines.