Buck Mortgage Solutions
Charlotte County’s Down Payment Assistance
Up to $75K in Assistance!
Frequently asked questions
Is there an income restriction?
Your annual gross household income cannot exceed the program’s maximum income limits based on family size. Income guidelines change annually. All household income is counted. Assets are also considered. Annual income limits for 2025:
1 Person $49,150 2 Person $56,200
3 Person $63,200 4 Person $70,200
5 Person $75,850 6 Person $81,450
Are there any other qualifications?
Yes, you must be living or working in Charlotte County for six (6) months before applying.
The property must be owner-occupied; buyer must complete an acceptable homebuyer’s education program; buyer must be able to obtain loan approval with a qualified lender (Buck Mortgage Solutions) and must have been pre-qualified prior to application being submitted by lender. Eligible applicants must purchase a qualified home within six (6) months of SHIP approval.
For debt-to-income qualifications, please contact our team at 941-201-8238 or [email protected] or click on the link below to apply now.
Am I required to contribute any funds?
Yes. Buyer’s contribution must be a minimum of $1,000 of your own funds. This can be towards the earnest money deposit, appraisal, down payment, other closing costs, or a combination of any of these.
Are there restrictions as to where the property must be located?
The property must be located anywhere within Charlotte County, including Port Charlotte, Punta Gorda, and Englewood.
Can I work with any lender I want?
No. The Charlotte County SHIP Purchase Assistance program has a Lenders’ Consortium, made up of lenders that have been trained on Charlotte County SHIP requirements and agree to submit complete application packets on behalf of their customers to the SHIP office for eligibility determination. Buck Mortgage Solutions is an approved lender.
How Do I Apply?
Contact our team at 941-201-8238 or [email protected] or click on the link below to apply now.
What customers say about Buck Mortgage Solutions
David was absolutely phenomenal!!!! Extremely professional and tentative.
My partner and I were first time homebuyers, which can be such a scary and confusing process.
With David, that was not the case. He took the time to make follow up calls, set up zoom meetings, etc. and really make sure we understood everything, even giving examples of what our mortgage and loan may look like before making final decisions. Not to mention, this guy knew we were on a time crunch, and got us to closing in LESS THAN 1 month!!!!!
Again, hands down, David is the BEST when it comes to your mortgage broker needs!
Billie
Closed April 2025
Acquiring a home presents significant challenges, particularly in my initial home purchase. The bank provided financing with a 25% down payment, which was the extent of their involvement in the process. In contrast, Buck Mortgage demonstrated exceptional assistance in guiding me through the mortgage application process and ensuring that I secured an affordable loan. They provided comprehensive explanations of the necessary paperwork required for underwriting and actively rectified the error in my social security documentation. Their efforts extended beyond mere assistance, enabling my family and me to realize our long-held aspiration of owning our dream home.
We express our sincere gratitude to David and the entire team who played a pivotal role in facilitating our dream home acquisition.
Steve
Closed May 2025
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All loan programs, terms, and conditions are subject to change without notice. Qualification is based on credit, income, asset verification, and underwriting guidelines. Not all applicants will qualify. Buck Mortgage Solutions is a licensed mortgage brokerage. NMLS # [Insert Your NMLS Number Here]. Licensed in Florida and Texas. This is not a commitment to lend or extend credit. All information provided is for informational purposes only and does not constitute legal, financial, or lending advice. Please consult with a licensed mortgage professional for personalized assistance. Equal Housing Lender.
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