Finding the right real estate office contact can make or break your homebuying experience. At PHILANYA, our veteran-owned, community-focused team connects you with trusted experts, personalized guidance, and local insight—so you can buy with confidence, whether you’re a first-time buyer, veteran, or Florida local. Start your journey with us today!

Navigating the world of home loans doesn’t have to be overwhelming. Whether you’re a first-time buyer or looking to upgrade in Florida, understanding your mortgage options—and the truth behind common financing myths—can make all the difference. This guide breaks down the most popular loan programs, offers practical tips to boost your approval odds, and shows how PHILANYA supports buyers every step of the way. Ready to take the next step toward homeownership with confidence? S

Let’s break down the mortgage lenders vs brokers puzzle, cut through the confusion, and show you how to land the best deal (and maybe even a little peace of mind).

Most DPA programs provide funds as a grant or a second mortgage, which may be forgivable, deferred, or require repayment only if you sell or refinance the home within a set period.