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.
or text “2025HOME” to 954-342-6180