3 Percent Down

2 articlestagged “3 Percent Down”

Tampa Bay first-time buyer reviewing mortgage paperwork at a desk with a home key and calculator

Conventional 97 Loan in Tampa Bay: 3% Down, No Income Limit (2026 Guide)

The Conventional 97 loan lets Tampa Bay first-time buyers put just 3% down with no income cap — and PMI that actually cancels. Compare it to HomeReady, FHA, and Hometown Heroes stacking. Call (813) 733-7907.

Aug 13, 202610 min read

First-time homebuyers reviewing mortgage documents at a kitchen table in a new Tampa Bay home

Mortgage & Financing

HomeReady vs Home Possible: 3% Down Conventional Loans for Tampa Bay Buyers (2026)

Fannie Mae HomeReady and Freddie Mac Home Possible let Tampa Bay first-time buyers put just 3% down with lower PMI and flexible income rules. Compare both programs, see 2026 income limits, and learn how to stack them with Hometown Heroes.

Jul 22, 20269 min read

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