Skip to main content

Find First-Time Home Buyer Specialists Near You in Palm Harbor, FL

Directory of first-time home buyer specialists in Palm Harbor, Florida. Verify credentials with the state state mortgage licensing authority before hiring.

20 agents listed
Updated June 2026
Palm Harbor, FL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the State Mortgage Licensing Authority of Florida before hiring.
Showing 20 first-time home buyer specialists in Palm Harbor, FL Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Lipply Real Estate
3302 US-19 ALT Suite A, Palm Harbor, FL 34683
(727) 314-1000 lipplyrealestate.com
The Fazzini Group
4175 Woodlands Pkwy, Palm Harbor, FL 34685
(727) 485-9981 fazzinigroup.com
Treasured Home Collection
1004 Indiana Ave B, Palm Harbor, FL 34683
(727) 210-3282 treasuredhomecollection.com
Paul J. Fernandes Realtor with Lipply Real Estate
3302 US-19 ALT Suite 120B, Palm Harbor, FL 34683
(727) 946-1841 simplifyingthemarket.com
Kim Adams
34650 US Hwy 19 N Suite 309, Palm Harbor, FL 34684
(727) 300-6560 kimadamsagent.com
Coldwell Banker Realtor - Blake Smereczynsky
3474 Tampa Rd, Palm Harbor, FL 34684
(727) 410-6859 keytotampahomes.com
Patty Dykstra - REALTOR
3474 Tampa Rd, Palm Harbor, FL 34684
(727) 483-3944 floridahomesbypatty.com
MITTU MATHEW REALTOR
Jennifer Terrace, Palm Harbor, FL 34685
(727) 331-3759 mittumathew.kw.com
The Kidwell Group
1380 Palm Harbor Blvd, Palm Harbor, FL 34683
(727) 221-9207 thekidwellgroup.com
The Pretty House Team
736 Soundview Dr, Palm Harbor, FL 34683
(912) 655-2774 prettyhouseteam.com
Orange Grove Property Solutions LLC
34921 US-19 Suite #160, Palm Harbor, FL 34684
(727) 744-3940 orangegrovepropertysolutions.com
Michele Ranjbar Realtor
3474 Tampa Rd, Palm Harbor, FL 34684
(813) 895-6122 floridadreamnests.com
Jenny Neumeyer, Keller Williams Realty, Realtor
30522 US Hwy 19 N #107, Palm Harbor, FL 34684
(727) 482-2656 jennysellstheblocktampa.com
Rebecca Norton - Pinellas County, Tampa Bay Area Realtor®️
3474 Tampa Rd, Palm Harbor, FL 34684
(727) 365-5513 beccasoldit.com
Ricco Sells Homes - Tampa Bay Real Estate Specialist
3474 Tampa Rd, Palm Harbor, FL 34684
(661) 645-9409 riccosellshomes.com
The Grant Homes Group @ Keller Williams International
30522 US Hwy 19 N suite 107-5, Palm Harbor, FL 34684
(786) 223-3324 champahomes.com
Dunedin & Tampa Bay Realtor- Briana Ker
30522 US Hwy 19 N #107, Palm Harbor, FL 34684
(727) 580-2999 bker.kw.com
Michelle Kravetz PA Realtor
30522 US Hwy 19 N Suite 19, Palm Harbor, FL 34684
(727) 744-5323 mkravetz.kw.com
Chris Winckel Realtor
1822 Willow Oak Dr N, Palm Harbor, FL 34683
(904) 562-9218 christopherwinckel.impactrealtytampa.com
Stacey Ward, Realtor with Keller Williams Realty
30522 US Hwy 19 N #107, Palm Harbor, FL 34684
(813) 480-1734 soldbystacey.kw.com

A first-time home buyer specialist in Palm Harbor Florida can guide you through the unique process of purchasing your first home. Florida law requires a licensed real estate agent to represent buyers in transactions. Local specialists understand Palm Harbor market conditions and can help you access state down payment assistance programs.

What Does a First-Time Home Buyer Specialist in Palm Harbor Cost?

First-time home buyer specialists in Florida typically charge a commission paid by the seller at closing. This commission is usually 2.5% to 3% of the home purchase price. Some specialists may charge a flat fee for buyer representation, often between 2500 and 5000. Costs vary by case and are negotiated in the buyer agency agreement. This is general information and not mortgage or financial advice.

* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.

Frequently Asked Questions

What does a first-time home buyer specialist do in Palm Harbor?
A specialist helps you find homes, negotiate offers, and navigate Florida real estate contracts. They also connect you with lenders who offer Florida first-time buyer programs like the Florida HFA Preferred loan.
Are there down payment assistance programs in Florida for first-time buyers?
Yes. Florida Housing offers the Florida Assist program with up to 10000 in down payment help. Some local Palm Harbor programs may also provide grants. Eligibility depends on income and purchase price limits.

First-Time Home Buyer Specialists in Other Florida Cities