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About
Real EstateReal Estate Agents
Homelis Realty offers cost-saving, client-focused real estate services across Central Florida. We’re committed to helping home buyers and sellers make informed decisions—because we weren’t given the same chance. Our mission is built on honest guidance, human care, and real results.
Our expert team proudly serves Deltona, Orlando, and surrounding areas, helping clients buy and sell residential properties with confidence. With experienced agents who prioritize personalized service, we guide you through every step of your real estate journey.
Connect with top-rated Realtors who specialize in first-time homebuyer programs, government grants, smart mortgage solutions, and finding the right home for your future.
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- Requires appointmentAvailable
- Online appointmentsAvailable
- Onsite servicesAvailable
- Free parking lotAvailable
Location
Hours
Reviews
5.0
215 reviews
5 stars
214
4 stars0
3 stars0
2 stars1
1 star0
- DHDenise HandOct 8, 20255.0Warren Spencer is the best experience you could have with a human being and realtor. We needed him and delivered. Moving is stressful and Warren calmed the waves. Us not familiar with Florida neighborhoods , regulations and searching for that perfect lily pad and calling it our perfect pond. Warren and family you are invited for Thanksgiving.
- MBmirlande berrySep 18, 20255.0Warren is very knowledgeable and an amazing person to work with! He guided us through the first-time homebuyer process and made everything so much easier and less stressful. We truly appreciated his patience and professionalism. We’ll definitely be recommending him to friends and family! - Janae & Richard.
- BOBrianna OrtizMay 19, 20255.0It was such a pleasure working with Homelis Realty. Warren made sure to always keep us updated on new postings and was always just a phone call away whenever we had questions. The whole process was seamless and would definitely recommend to anybody looking to purchase a home!
- OGOmarie GaynorFeb 18, 20215.0Super professional and went above and beyond to make sure all of my needs were met. Highly recommend and will definitely use again.
Frequently Asked Questions About Homelis Realty
How does a down payment assistance program work?
They provide a set amount of money to qualified homebuyers. Homebuyers can use the money to cover their down payment or closing costs. The money you receive through the program may be considered one of three things: a grant, an interest-free loan or a debt you pay off in the future.
What credit score is needed to buy a house with no money down?
If your score is 580 or above you can qualify with just 3.5% down. While you need 3.5% down for FHA, they do allow 100% of the down payment to be a gift. Or you can find down payment assistance programs that could allow you to buy a home with no money down. USDA and VA loans require zero down payment.
What credit score is needed for first time home buyer?
The Federal Housing Administration, or FHA, requires a credit score of at least 500 to buy a home with an FHA loan. A minimum of 580 is needed to make the minimum down payment of 3.5%. However, many lenders require a score of 620 to 640 to qualify.
Is down payment assistance a good idea?
While FHA loans are the most common to use with down payment assistance, it doesn't mean other loan products are off the table. FHA has more flexible down payment requirements than some other loans so it may be a good fit. Many down payment assistance programs are also compatible with VA, USDA and conventional loans.
What does your credit score have to be to get down payment assistance?
To qualify, borrowers need a credit score of 620 to 640 or above for 3.5 percent in down payment assistance and a score of 661 or above to qualify for up to 5 percent of the home value.