The Florida First Time Homebuyer program makes a first home attainable. The first time homebuyer program (FTHB) provides loans at fixed interest rates through participating lenders. The loans are guaranteed by the state increasing the buyer's ability to obtain a mortgage. Applicants must complete a home buyer education class and have a FICO score of 600 or higher. There are income eligibility requirements, for example, in Seminole County. if you want to know more detail and therefore visit our site California first time home buyer grants!. A family of four cannot have a combined income higher than $84,000 and cannot purchase a home for more than $377,791. The Florida Housing Finance Corporation has more information. Contact a lender such as a local bank or mortgage company to apply.