6 Game-Changing Resolutions for 2025 First-Time Buyers

Updated January 11, 2025 | Originally published January 11, 2023

Scott Lehr

Team Leader, The Listing Team at RESF
954-342-6180 | scott@reallistingagent.com

Resolution #1

Master the New 2025 Loan Programs

This year's updates give first-timers unprecedented opportunities:

Program	2025 Benefit	Local Availability
FHA Loan	1.5% lower PMI rates	All Broward County
Florida HFA	$15k down payment help	Fort Lauderdale/Weston
VA Loan	$0 down up to $750k	Military families

Action Step: Use our 2025 Loan Match Tool to find your best option.

Resolution #2

Build AI-Enhanced Credit

2025 lenders use advanced scoring models:

• ✅ Keep utilization under 8% (was 30% in 2023)
• ✅ Mix of installment + revolving credit
• ✅ No late payments in past 24 months

Pro Tip: Our partners offer free credit optimization apps that simulate lender algorithms.

Resolution #3

Navigate Broward's 2025 Market Realities

What first-timers need to know:

🏠 Weston

Avg. starter home: $550k
22% buyer competition

🏠 Oakland Park

Avg. starter home: $425k
18% buyer competition

Download our Neighborhood Guide for full breakdown.

Resolution #4

Leverage 2025 Tech Tools

• 🤖 AI Home Search (matches preferences 89% faster)
• 📱 Virtual Reality Tours (84% of listings now offer)
• 📈 Mortgage Rate Predictor (Machine Learning-based)

Test drive our 2025 Buyer Toolkit.

Resolution #5

Understand 2025 Closing Costs

New Broward County averages:

$425k Home = $11,300-$14,500 closing costs
(Includes new 0.5% Climate Resilience Fee)

Use our Closing Calculator for precise estimates.

Resolution #6

Create Your 2025 Timeline

Sample first-time buyer roadmap:

March: Credit check & pre-approval
June: Secure down payment assistance
September: Make offers
December: Close before year-end tax benefits

Get your customizable 2025 planner.

Ready to Make 2025 Your Year?

Our first-time buyer program has helped 127 South Floridians become homeowners last year.

Start Your Journey Now

or text "2025HOME" to 954-342-6180

© 2025 The Listing Team at RESF | Scott Lehr, PA | 954-342-6180

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