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*Homelis Realty, Inc. does not provide or create mortgage loans. However, our Real Estate Broker, Warren Spencer (NMLS ID: 2277168), is a licensed mortgage loan officer offering mortgage products to Homelis Realty customers through a third-party mortgage broker, Homelis Mortgage, Inc. (NMLSR ID: 2702735). We support and guide first-time homebuyers through down payment and closing cost assistance programs, which typically require no minimum buyer contribution. All assistance and grant programs are administered by third-party entities that establish their own regulations, restrictions, and qualification criteria. Some programs may require repayment or include conditions that could trigger repayment, while others may not. Down payment assistance (DPA) programs are offered through various state, county, and local agencies—each setting its own interest rates, terms, and eligibility requirements, which may differ from standard market rates. Homelis Mortgage, Inc. does not control or determine the interest rates or conditions associated with any DPA program. Outside of DPA programs, your interest rate is based on individual qualifying factors, such as credit score, loan product, and overall borrower profile. Interest rates, program availability, and qualification requirements are subject to change without notice. Homelis Realty, Inc., its agents, and associates are not liable for non-qualification, program unavailability, or changes to program conditions. All loans are subject to credit and underwriting approval.

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Homelis Realty, Inc. License Numbers: CQ1055130; Homelis Realty, Inc. fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. The Homelis Realty Inc. main office is located in Deltona, FL. Contact: (407) 337-8333.