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First-Time Buyers

Your First Home Starts Here

We Are First-Time Buyer Specialists

Programs Built For First-Time Buyers

Low down payments, gifts, and down payment assistance make it easier than ever to own your first Florida home.

Low Down PaymentDown Payment AssistanceFlexible CreditMore Options Available
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UNITED MORTGAGE CENTER

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Florida's Trusted Mortgage Partner

With over 35 years of experience serving all 67 counties in Florida, Richard Pulsinelli, our President & Founder, and the United Mortgage Center team have helped thousands of families achieve the dream of homeownership.

All our clients have access to top management — you will never be handed off to a junior processor.

We are licensed across the entire state of Florida, no matter where your property is located.

Decades of experience mean fewer surprises and a smoother path to your closing table.

Loan Programs

From FHA and VA to Jumbo and Reverse Mortgages, we have solutions for every Florida homebuyer and homeowner.

Government-Backed

Low down payment options for first-time buyers and those rebuilding their credit history.

Military & Veterans

Zero down payment options exclusively for veterans, active-duty service members, and surviving spouses.

Standard Financing

Flexible financing for buyers with strong credit and steady income looking for competitive rates.

Refinancing

Lower your rate, shorten your term, or tap your home's equity with a strategic refinance.

High-Value Properties

Financing above conventional loan limits for luxury and high-value Florida properties.

Seniors 62+

Help seniors 62+ access their home equity while continuing to live in their home.

How It Works

Start with a quick pre-approval so you know exactly what you can afford before you begin your search.

We match you with the best loan program for your unique situation, goals, and budget.

We guide you every step of the way to a smooth, on-time closing with no surprises.

Contact us today and let's find the perfect mortgage solution for you.

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