HomeReady® Mortgage Program for Florida Buyers (2025)🏠 — The Listing Team Homes For Sale In Fort Lauderdale Florida

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July 25, 2025

HomeReady® Mortgage Program for Florida Buyers (2025)🏠

HomeReady Mortgage Program for Florida Buyers (2025 Guide)

🏠 HomeReady® Mortgage Program for Florida Buyers (2025)

Buying your first home just got more accessible thanks to the HomeReady® mortgage program from Fannie Mae. With down payments as low as 3%, reduced mortgage insurance, and flexible income sources allowed—this is a win for buyers in 2025.

🔍 What Is the HomeReady Program?

It’s a government-backed mortgage designed to help buyers who have limited cash or income, but strong credit and financial responsibility. You don’t have to be a first-time buyer—but if you are, this program makes it easier to get approved.

📋 Key Benefits:

Only 3% down payment required
Reduced PMI (private mortgage insurance)
Allows boarder income or non-borrower household income
Can be used with gift funds and down payment assistance
No minimum personal funds required for 1-unit properties

👨‍👩‍👧‍👦 Who It’s For:

Perfect for first-time buyers in Fort Lauderdale, multi-generational families, and anyone whose income might come from multiple household members.

Bonus: You don’t need 20% down to get competitive rates anymore.

💡 How to Start

Not sure if you qualify? Let's run your numbers. Schedule a free consultation or grab a CMA here to learn what you can afford with today’s rates.

Also, check out all of our downloads and buyer tools to stay informed as you plan your next move.

📞 Questions? Call 954-342-6180 or email scott@reallistingagent.com.

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HomeReady® Mortgage Program for Florida Buyers (2025)🏠

HomeReady® Mortgage Program for Florida Buyers (2025)🏠

Housing Market Forecasts for the Rest of 2025 | The Listing Team

Housing Market Forecasts for the Rest of 2025 | The Listing Team

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This privacy policy also describes the choices available to you regarding our use of your personal information and how you can access, update and delete this information.

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This website is a general audience site and we do not knowingly collect personal information from children under the age of 13.

If you have questions or concerns regarding this policy, you should first contact our website at support@ylopo.com

1. Collection and Use of Your Personal Information

We collect Personal Information from you only when you voluntarily submit it in order to obtain certain information, including without limitation (A) requests to find out more about our programs; (B) requests to contact us; and (C) requests to forward your information to one of our affiliates.

We do not honor all “do not track” requests and settings. If you use any signal(s) or another mechanism(s) that provides you the ability to exercise choice regarding the collection of personally identifiable information about your online activities over time and across third-party websites or online services, we will attempt to override such signals or mechanisms. When you use our website, no other parties can collect personally identifiable information about your online activities over time and across different websites. Your choice is indicated by your settings in your web browser. A “do not track” indication sent from your web browser will not result in any tracking activity (i.e., tracking cookies) within the website to be programmatically disabled.

We collect the following personal information from you:

Contact Information such as name, email address, mailing address, and phone number

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Send you requested product or service information
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By clicking the Submit button, you agree to have your information shared with us and for us to initiate contact with you at the telephone number you provided using live, recorded, artificial, or AI-generated voice, mobile phone (including through automated dialing, text SMS/MMS, or pre-recorded messaging) and/or email, even if your telephone number is on a corporate, state, or the National Do Not Call Registry, and you agree to our Privacy Policy. You further represent that you have the authority to provide this consent regarding voice and text calls to the telephone number you provided. To opt out of voice call, tell the operator you no longer wish to receive voice calls. To opt out of text calls, reply “Stop”. For text messaging, you agree to only use the term “Stop” to communicate an opt out.

The rights of Users

We adopt this Notice to comply with the California Consumer Privacy Act of 2018 (CCPA). Any terms defined in the CCPA have the same meaning when used in this Notice.

Users may exercise certain rights regarding their Data processed by the Owner.

In particular, Users have the right to do the following:

Withdraw their consent at any time. Users have the right to withdraw consent where they have previously given their consent to the processing of their Personal Data.
Object to processing of their Data. Users have the right to object to the processing of their Data if the processing is carried out on a legal basis other than consent. Further details are provided in the dedicated section below.
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Restrict the processing of their Data. Restrict the processing of their Data. Users have the right, under certain circumstances, to restrict the processing of their Data. In this case, the Owner will not process their Data for any purpose other than storing it.
Have their Personal Data deleted or otherwise removed. Users have the right to obtain the erasure of their Data from the Owner by placing a request at the below designated support email address support@ylopo.com including their Facebook URL, first and last name, email address and/or phone number for identification purposes, or user can also request removal of data from Ylopo by removing the "Local Home Search" app connected to the Facebook account that was used for login. Go to Facebook settings, navigate to "Apps and Websites," and find the app named "Local Home Search". Click "Remove" next to the app's name.
Receive their Data and have it transferred to another controller. Users have the right to receive their Data in a structured, commonly used and machine readable format and, if technically feasible, to have it transmitted to another controller without any hindrance. This provision is applicable provided that the Data is processed by automated means and that the processing is based on the User's consent, on a contract which the User is part of or on pre-contractual obligations thereof.
Lodge a complaint. Users have the right to bring a claim before their competent data protection authority.

Details about the right to object to processing

Where Personal Data is processed for a public interest, in the exercise of an official authority vested in the Owner or for the purposes of the legitimate interests pursued by the Owner, Users may object to such processing by providing a ground related to their particular situation to justify the objection.

Users must know that, however, should their Personal Data be processed for direct marketing purposes, they can object to that processing at any time without providing any justification. To learn, whether the Owner is processing Personal Data for direct marketing purposes, Users may refer to the relevant sections of this document.

How to exercise these rights

Any requests to exercise User rights can be directed to the Owner through the contact details provided in this document. These requests can be exercised free of charge and will be addressed by the Owner as early as possible and always within one month.

We may provide this information in a standardized format that is not specific to you. The designated email address for these requests is support@ylopo.com

Consent to Receiving Emails, Auto-Dialing & Auto-Texting:

By registering, you are giving us, and our professional real estate clients and advertisers permission to contact you via text message, email, or telephone using the email address and/or telephone number that you have provided during the registration process. Such contact may, from time to time, include attempts to contact you via auto-dialing, prerecorded or artificial voice, or auto-texting technology. You may opt out of receiving these forms of communication by unsubscribing from any email communication or texting STOP as a reply to one of our text communications. There is no fee charged by us or its advertisers to receive text messages, however, your mobile service provider may charge you for sending and/or receiving text messages and air-time, as well as any other standard applicable rates charged by your mobile service provider.

Information Sharing

We may share your personal information with and any other business associated with this site, in the ways that are described in this Privacy Statement. We may provide your personal information to our subcontractors in support of our services, such as customer service. These companies are authorized to use your personal information as is necessary to provide these services to you.

We may also disclose your personal information:

As required by law such as to comply with a subpoena, or similar legal process.
When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud or respond to a government request,
To any other third party with your prior consent to do so.

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Links to Other Web Sites

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The security of your personal information is important to us. We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the internet, or method of electronic storage is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about the security of our Web site, you can contact our website and advertising provider support@ylopo.com

Special Notice to California Residents. If you are a resident of California, in addition to the rights set forth in this Privacy Policy:

1. We will not share any personal information about you to the extent prohibited by applicable California law or to the extent your prior consent to share is required by applicable California law; and

2. You have the right to request information from us regarding the manner in which we share certain categories of information with third parties for their direct marketing purposes. California law gives you the right to send us a request at a designated address to receive the following information

the categories of information we disclosed to third parties for their direct marketing purposes during the preceding calendar year
the names and addresses of the third parties that received that information; and
if the nature of the third party's business cannot be determined from their name, examples of the products or services marketed.

Additional Policy Information

Our Web site includes Widgets, which are interactive mini-programs that run on our site to provide specific services from another company (e.g. displaying the news, opinions, music, etc.). Personal information, such as your email address, may be collected through the Widget. Cookies may also be set by the Widget to enable it to function properly. Information collected by this Widget is governed by the privacy policy of the company that created it.

Our Web site offers publicly accessible blogs, social media, or community forums such as Facebook, Twitter, or Google Plus. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them.

Visiting our Websites From Outside the United States.

This Privacy Policy is intended to cover collection of information on our websites from residents of the United States. If you are visiting our websites from outside the United States, please be aware that your information may be transferred to, stored and processed in the United States where our servers are located and our central database is operated. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country. By using our services, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this Privacy Policy.

No Rights of Third Parties.

This Privacy Policy does not create rights enforceable by third parties or require disclosure of any personal information relating to users of our websites.

Notification of Privacy Policy Statement Changes

We may update this privacy statement to reflect changes to our information practices or changes in regulations governing privacy. If we make any material changes we will notify you by email (sent to the email address specified in your account) or by means of a notice on this Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.

This Privacy Policy was last revised on June 2, 2025. We reserve the right to modify or amend this policy at any time by posting the revised Privacy Policy on the website.