BayPort NMLS: 2104798
ATTENTION: First-Time Home Buyer!
Buying might be easier than you think
You just need the right plan!
You're already paying rent. Why not start building equity instead?
We’ll help you discover what you qualify for and how much house you can actually afford.
Our Trusted Partners
Owning your first home is possible
— even in today’s market.
We specialize in helping first-time buyers, even with credit scores below 600, limited savings, and big questions. Whether you’re dreaming of a backyard for the dog or want to stop throwing money away on rent, we’ll show you what’s really possible.
Programs with as little as 0-3%
Credit-friendly options (as low as 520)
Fast pre-approvals with no pressure
Real answers (not sales pitches)
1-on-1 expert support to guide you through the process
Free Home Buying course!
Coming Soon!
Jake Middleton
NMLS: 2229539
MEET THE Mortgage Specialist
Hey, I'm Jake Middleton!
If you've been told you don’t qualify, you might’ve just talked to the wrong lender. We specialize in low-down payment options and approvals that other lenders miss. Let’s take 10 minutes and walk through your real options — no pressure.
Step 1: Apply Online
Step 2: Get Pre- Approved
Step 3: Close With Confidence
Get Started Today!
STILL NOT SURE?
Frequently Asked Questions
We understand buying a home can be scary. Here are some questions to ease your mind.
Do I need perfect credit to qualify?
Not at all. We work with buyers who have credit scores starting at 520 and help you improve your profile if needed.
How much money do I need for a down payment?
Many of our clients buy with as little as 0–5% down. We’ll walk you through every option.
Is this a hard credit check?
Nope. During our initial consultation, there is no impact on your credit score until you're ready to move forward.
I’ve never bought a home before. Will you help me through the whole process?
Absolutely. We don’t just give you numbers — we provide a plan, explain every step, and ensure you feel confident throughout the process.
What happens after I submit my info?
A licensed expert will review your info and reach out within 24 hours to walk you through your custom options. No pressure, just clarity.
TESTIMONIALS
What others are saying
"Still can't believe it!"
"As a first-time buyer, I was nervous about everything, my credit, my savings, you name it. broke it all down for me and showed me exactly what I qualified for. I never felt pressured, just supported. Now I’m a homeowner and still can’t believe it!"
- Ashley
"Seriously, the best team out there."
"I had heard horror stories about getting a mortgage, but made it simple and stress-free. They answered every question, found me an amazing rate, and got me into my home faster than I expected. Seriously, the best team out there."
- Jason
"I recommend them to all of my friends."
"I didn’t think I could buy with the money I had saved, but found a program that let me put just 3% down, and it covered most of my closing costs too. They explained everything in plain English. I recommend them to all my friends."
- Karina
Jake Middleton
NMLS ID: 2229539 | BayPort Lending NMLS: 2104798
Licensed Mortgage Professional in FL
BayPort Lending is an Equal Housing Lender.
This is not a commitment to lend. All loans are subject to credit and underwriting approval. Not all applicants will qualify. Rates and terms subject to change without notice. BayPort Lending is not affiliated with any government agency, including HUD, FHA, or VA.
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