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La próxima clase de compradores de vivienda en Español será en octubre 2013. Las clases son libre de costo y se llevan a cabo en la oficina de Keystone. Para más información.....

Program income limits have changed. Go to our Program Income Limits page to see the new limits. Lenders should be sure to download the latest versions of our program manuals that include the new limits. 


The State of Florida SHIP funds that have been used in past years to provide down payment and closing cost assistance for low to moderate income homebuyers purchasing in a Polk County location, (meaning not in the city limits of Lakeland or Winter Haven), are not available. If you are looking for a homeownership opportunity, please keep in mind that we do have homes available through the Neighborhood Stabilization Programs (NSP).


There are some funds (a limited amount) available for City of Lakeland purchases for very-low or low income buyers.  The City may require special considerations.  All homes must pass specific inspection requirements and homes built prior to 1978 are not eligible.  This is a change to the program effective 5/20/2013.   Lenders: Register Funds Here....  Certain restrictions for funding apply. As with all our programs, funds are limited, and are subject to final availability and approval by the local governments.


The City of Lakeland also has Neighborhood Stabilization Program (NSP) homes available.  The City of Lakeland has recently increased the amount of assistance that is provided to an eligible homebuyer. You may qualify to receive 30 - 50% of the home purchase price for a down payment!  To see more info about this NSP home and others that are available visit the City of Lakeland web site. Many homes have had recent price reductions!


If you are a lender working with an NSP client be sure to download our NSP Program Manual, now available on-line.


Information on the Neighborhood Stabilization Program


Homes are for sale in the Polk County Neighborhood Stabilization Program (NSP).  Homes are being purchased in targeted communities throughout the county and are being fully rehabilitated for sale to low and moderate income homebuyers. Assistance is up to 20% or possibly more of the home purchase price plus additional help with closing costs!  Get program and qualifying information, view properties for sale, take a virtual tour and more!  Opportunities are available for qualified vendors to provide construction, lawn maintenance and title company services for the NSP in Polk County. Interested vendors are required to apply, and the information is available here.

Keystone is also a partner in the Pasco County NSP.  Homes are ready for eligible buyers, and can be viewed by clicking on the Pasco NSP Homes tab here. For more information about the Pasco NSP please visit their Community Development website or call us at 727-389-5080.

If you are a very-low, low or moderate income household, we can help you own a home.  Get information on down payment assistance programs, affordable first mortgage financing, and homes for sale.

Information for Lenders

If you are a first mortgage lender interested in participating in Keystone's down payment assistance programs, find out what you need to know here. Our programs are HUD acceptable to provide secondary financing for FHA insured mortgage loans.

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