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Dream Finders Homes Kitchen


Typically when buying a home you want to be able to put a down payment of 20% of the purchase price, but many first-time home buyer programs allow a significantly lower down payment percentage If you are a first-time home buyer who is ready to purchase a home, but don’t have the recommended 20% down payment, see if you qualify for these mortgage options:

  • Conventional mortgages
  • FHA Loans (Federal Housing Administration)
  • VA Loans (Veterans Affairs)
  • State Assistance Programs


Before you start looking for your dream home, it’s best to know what’s actually in your price range of what you can afford. When calculating your monthly mortgage payment it is important to remember to include any additional costs that could arise. Get a head start on establishing how much home you can afford by utilizing online home affordability calculators!

Dream Finders Homes Bedroom
Dream Finders Homes Bathroom


Knowing where your credit stands before applying for a mortgage loan is very important. A good credit score is key to being approved for a loan and will determine your interest rate and loan terms. If you are buying your first home, check your credit score through your bank or where you won’t be penalized and look for opportunities to increase your score.


Many first-time home buyers make the mistake of accepting the first mortgage rate quote provided by a lender instead of taking the extra time to shop around for a better rate. As a first-time home buyer we recommend getting mortgage rates from three or more lenders, to completely weigh your options and find out which loan is best for you.


After you’ve saved your money, figured out your price range, cleaned up your credit and shopped around for the best mortgage rate it’s time to get serious and ask for a pre-approval letter from your lender. A pre-approval letter is a thorough examination of your finances that leads to a concrete number in writing of what they are willing to lend you along with their financial terms.

Information subject to change at any time. See a new home sales associate for details.

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    What Homebuyers Are Saying

    • Osvaldo Colon

      "I would just like to say thank you again for everything and making it possible for my family and me to purchase our dream home! The house is absolutely beautiful and we have so much space to fill it up with all our family time together and many memories to come. It has such a “warm and cozy” feeling, it‘s not just a house, it’s a HOME!"

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    • Ubirata Tavares

      "All-in-all the entire experience has been very positive for me and my family, Dream Finders Homes go beyond just building and selling you a house, they also provide a strong customer care in a holistic approach which in my opinion is the cornerstone of this business. Great business can't be made without great people and for that I recommend Dream Finders Homes."

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    • Cindy Rivera

      "My house is beautiful and is for me a dream come true. Dream Finders Homes constructs high-quality houses and the personnel is approachable and friendly."

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    • Oscar Ramos Jr.

      "Our home is even more amazing than what we imagined when designing it. The work and detail put into the house is very well noticed. We could not have gotten the same result with another company in another neighborhood."

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    • Jesse Ontiveros

      "Overall Clive provided us outstanding customer service as soon as we walked in and made our home purchasing experience very seamless. Clive was encouraging and informative."

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    • Carrie Schuler

      "Diana Siedman was wonderful start to finish. She was always an advocate for us and kept us well informed of progress since we lived in KY during the build."

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    • Stephen

      "I recently moved into my Dream Finders home and absolutely love it! The large island and kitchen area always grabs people’s attention and the spacious living room/dining room area is great for hosting guests. I love the unique designs that DFH offered and that makes them stand out from other builders. Kim has been a pleasure to work with. She’s polite and professional and always kept me apprised of the status of my build. She was quick to respond to my many emails and definitely took the stress out of homebuying. This, for me, made for an enjoyable homebuying experience."

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    • Cheryl White-Sherman

      "Karen W and Shawn do a great job. If it had not been for Karen I would not have purchased my home. She is an asset to your company. I highly recommend her to all of my friends looking for homes."

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    • Merav

      "Buying a new house is a very stressful process. We have found, however, that if you work with the right partner the whole experience becomes much more pleasant. That’s what we are experiencing now with Dream Finders. We are enjoying the extraordinary service from Kim Snatic, our sales consultant from Dream Finders, and it makes the process smooth and relaxed."

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    • Vicki Dinh & Dylan Dudycha

      "The model home was gorgeous and we instantly fell in love with it! Our experience with Kim was amazing, she was so knowledgeable, patient and down to earth! As first-time homebuyers, we were very anxious during the process, but Kim made it so easy. We would highly recommend Dream Finders Homes to any of our friends!"

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    • Steve Zheng

      "My family and I have looked at several homes in the Central Florida area, but nothing compared to the home we saw from Dream Finders. Many of the houses we viewed either did not meet some of our criteria or expectations. However, the Dream Finders house we toured in Northern Oaks exceeded our expectations. Before we even stepped foot into the house we were amazed by the size of the exterior and was even more surprised by how beautiful the inside looked. We knew in the moment that we wanted to purchase the house, and it was one of the greatest purchases we’ve ever made. In addition to the impressive homes, we also received amazing hospitality and service from the sales consultant at Northern Oaks, Janet Casella. During the process of purchasing the house, Janet was a great asset in helping us complete the necessary documents in an efficient and swift manner. Even after the closing, she was eager to answer any questions we had, and even guided us in the process of looking for a contractor to do renovations in our home. For anyone that is looking to purchase a home that not only looks sophisticated on the outside but also marvelous on the inside, I recommend Dream Finders Homes."

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    • Tarita & Mitch

      "My husband and I purchased our very first home with Dream Finders Homes. Our real estate agents actually suggested Dream Finders Homes at Northern Oaks as the first place to look. However, being first time home buyers, we felt stubborn to “find our own way” and it ended up being the last place we looked! Needless to say, it should’ve been our first. Right off the bat, the experience was positive. Our first encounter was with Janet, one of the New Home Sales Consultants. She was the most thoughtful, caring, helpful person we’ve met in the process of finding a home. We were already nervous to buy our first home, and then overwhelmed with the idea that we could also build a home. She patiently took us through the whole process. We picked out designs, kitchen packages, elevations, lot placements, everything to build a new home. And she didn’t even bat an eye when we scrapped it all and decided to buy one of the already built homes (a spec house) in the community. She carefully allowed us to make our own decisions, look at the properties over and over again and supported it all. We are so grateful for her good nature! Mike took it from there and was the individual to go over all the details of the house, address any issues that came up during inspection, and ensure everything was as we wanted before closing. Every time he spoke to us, or went on a walkthrough with us, he taught us something new! Every concern, paint chip, plumbing question, and sprinkler head (literally) was inspected, reviewed and taken care of. Mike was unwaveringly kind and considerate every time we spoke with him. No question or concern was too small. Thank you Mike and Janet for giving us a great home buying experience!"

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    • Bobby, Dara, Ben & Max Filler

      "From the very first time I met Janet, our exceptional sales associate, I realized that she truly cared about the wants, needs, desires and dreams of our family. Her professionalism, coupled with a warm and caring nature made me feel completely confident that we had made the right decision for our family by choosing Northern Oaks. It took several months from the time we met Janet, until we closed a month ago, and during the entire process she was always there for us every step of the way. Specifically, she listened to us, supported us, provided immediate and professional service and made the process, no matter what the circumstances were, run smoothly. She truly went well beyond what was necessary, and for that we are greatly appreciative. I am extremely grateful to Janet for her dedication and personal touch that she showed my family during the process and continues beyond closing. Her assistance is truly the main reason we choose to realize our families' dreams with our purchase. She is an excellent representative of your company, who's worth to Dream Finders Homes is priceless.

      Additionally, I would like to personally acknowledge our Project Manager Mike who was and still is extremely attentive to every need that we have regarding our property. Mike went way beyond what was necessary to ensure that we were and still are satisfied with every aspect of our home. Additionally, he has taken extraordinary steps that are greatly appreciated regarding preparing us for living in an active construction zone. I can not say enough as to the professionalism and personable nature of Mike. He truly is an exceptional member of the Dream Finders Homes team. Thank you Janet and Mike for everything."

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    • Bryan Long

      "We purchased a home from Dream Finders in August of this year. My wife and I spent several months searching the Jacksonville market for a home without any luck. We pre-viewed numerous homes in the area that did not meet our expectations in regards to a new home. We heard about the Pine Ridge community and happened to enter the Dream Finders Homes model. We liked the development with the all the amenities offered, along with the positioning of the local schools. While visiting the model with the new home agent explained several upgraded features in the home that met our expectations."

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    • Bryan, Tim & Emilia

      "When we started talking about finding a new home, we thought we were about a year away from doing anything. We started looking at communities all around Orlando. After a few weeks of looking, one Saturday we found ourselves in Laureate Park. It reminded us of our neighborhood Baldwin Park. We looked at a few of the model homes. The next weekend we went back to Laureate Park and finished looking at the models. We saved the best for last and went into the Dream Finders Talbot model and met Melissa Schemmel. Melissa really made us feel at home and we could see ourselves living in the house. Melissa showed us different lots and took us around the neighborhood. Over lunch we decided to put a deposit down on our new home."

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    • Moses, Anna & Marry

      The biggest purchase of our lives was with Dream Finders Homes and we’re sure our children’s biggest purchase of their lives will be with Dream Finders Homes as well. When we found Dream Finders Homes, we were currently under contract with another home builder. We found that once we chose the home and began to add in our desired custom features, we noticed the quality of the upgrades were not worth the additional costs.

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    • Tricia Olson

      I wanted to send an email regarding our choice to have Dream Finders build our home. We were very pleased with the building process and their guarantee to have our home built in 90 days. The Dream Finders team worked with us throughout our building process and they understood that this was the first time we had built a home. We were very pleased with the choices of plans that were offered and the packages that were included or could be added with each plan. They used high quality building materials and kept our lot clean during building.

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    • Bryan Long

      We purchased a home from Dream Finders in August of this year. My wife and I spent several months searching the Jacksonville market for a home without any luck. We pre-viewed numerous homes in the area that did not meet our expectations in regards to a new home. We heard about the Pine Ridge community and happened to enter the Dream Finders Homes model. We liked the development with the all the amenities offered, along with the positioning of the local schools. While visiting the model with the new home agent explained several upgraded features in the home that met our expectations.

      Read More
    • EJ & Lanre Elujoba

      There were so many reasons why we finally settled with Dream Finders Homes, but the two main reasons are:

      1) The new home sales associate was an enormous factor. He readily provided answers to our questions and was honest in his feedback to help us meet our needs. At no point did we feel that we were unnecessarily pressured to make a decision. He clearly understood what exactly we wanted in a home.He provided timely and accurate updates about the status of the house once we went into contract all the way through to when we received the keys at closing. He provided videos and pictures, which made us feel like we were part of the decision making process. The construction manager was also very professional and pragmatic. He helped us manage our expectations and was always available at any time to answer questions. He also went above and beyond to assure the home was 110% complete at closing.

      2) We love modern contemporary and minimalistic homes and designs. The beautifully laid out floor plans as well as the already included features, options and upgrades led us to our final decision to build with Dream Finders Homes.

      The ease of working with JET HomeLoans, the preferred lender, the location of the subdivision and the fact that the price of the house was within our budget made it easy for us to settle with Dream Finders Homes.

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