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down payment assistance home

Down Payment Assistance

The government is using its own funds to cover your down payment and closing costs. Find Out More

Homes for Heroes

NO Lender Fees (A $1,560 Savings!)

This is available to Military Personnel & Surving Spouses. Call (239) 333-4684 to find out more.

Buying Your First Home Is Exciting!

Here are the basics.

  • >>  Get pre-approved before you shop for your new home to strengthen your buying power.
  • >>  Our Loan Officers ensure a smooth home-buying experience.
  • >>  We have mortgage programs allow you to buy a home with a minimal down payment. Some only require as little as 3% down! Often, your down payment can be a gift from a relative or organization.

Popular Options for First-time Homebuyers

FHA Loan

  • >>   Credit scores as low as 560 may qualify
  • >>  Buy a home with as little as 3.5% down (primary home)

30-Year Fixed

  • >>  The most popular mortgage, where you can purchase your home with as little as 3% down or less than 3% equity. Get a low payment and a rate that won’t change.

VA Loan

  • >>  No down payment of Private Mortgage Insurance (PMI), plus flexible credit requirements make the VA loan a top choice among veterans and active military.


  • >>  30-year fixed rate
  • >>  Flexible credit
  • >>   Income property eligible
Rates and terms are subject to change without notice. Contact us for complete program details.
Apply Today

The Mortgage Process

It’s easy as 1-2-3! See what you can expect…

Learn More


If you are looking for an informative, communicative lender you have found her. Amanda was diligent in reviewing every detail and scenario and worked hard to find the best rate and loan for me. She was available day, night and weekends. I felt confident and informed proceeding through my loan process, Amanda answered all my questions every step of the way and even attended my closing – what lender does that? My loan was approved and ready to go. GREAT EXPERIENCE! I highly recommend her, you will not be disappointed!

Amanda, we just wanted to thank you for all you did to get us into our beautiful new home. You were always available to answer our questions.  Even late nights, and on weekends.  We felt completely comfortable and confident knowing you would guide us through the stressful loan process. We enjoyed working with you for a second time, and if we are ever in need of loan assistance in the future, we will definitely trust you again. I have no doubt that anyone we recommend to you would receive the same excellent service. Thank you for everything!

“Since I have started my career in Real Estate, I have met several lenders and have been told that they could produce and get things done. I have met only ONE that does exactly as promised. Vito Mirra with Community Lending is always on top of things. If you need someone that does, give him a call!”


“Just wanted to say thank you again. Vito, if it wasn’t for you, the thought of buying a home would still be a far fetched fairytale for us. Getting back in your house and providing our mortgage aside, it was obvious from the start that you truly wanted to help us no matter what…You were involved in a level far beyond just trying to sell us a house from the moment we met you.”


“Vito has helped us tremendously with the financial aspect of the home buying process! My husband and I are truly grateful to have him and his company on our side ! I rate them 5 stars. They have great communication, get back to you in a timely matter, will explain everything to you if needed, highly recommend!”


“Both Nathan and his staff were extremely pleasant, thorough and helpful. Being out of state purchasers, there were numerous phone calls and emails which were responded to quickly. Of course, we had many, many questions and all were answered patiently.We would recommend Nathan to anyone looking for a mortgage or financing in Florida.”


“Having purchased and sold a number of properties throughout the country, I rate Nathan exceptional in every area. During the process if I had a question I would call Nathan and if he was not available I would receive a call back within minutes, even on the weekend. If you are looking for a mortgage I would highly recommend Nathan.”


“My husband and I have had the pleasure of working with Nathan on several recent purchases, including our primary residence, a 2nd home, and a rental property. All three transactions could not have gone smoother! Nathan is always available for questions, proactive in his approach to make sure our loans closed on time, and extremely knowledgeable about the loan and real estate transaction. My husband and I would highly recommend Nathan for anyone looking to purchase property here in SW Florida!”

Second Home Buyer

“We had a very smooth process with Nathan, he was recommended by our realtor. We never really met Nathan in Person but he was very hands-on with everything that need to be done to accomplish our main goal. We close on our house a week earlier than what it was scheduled for. Thank you!!! Merry xmas to my family!”


“We had such a great experience working with Nathan! Not only did he explain everything so we could understand but we were also able to close earlier than expected! Such a great experience all around!”