Part 1: First Time Home Buyers – Florida

Here are some things to start preparing for the home buying process.

Credit – what is your credit score?
Capacity- do you have a reliable source of income? Is it provable? Do you make enough money to cover debts and a mortgage. Debt to income ratio
Capital– do you have enough $ in your checking, savings, 401k, life insurance accounts to pay for your down payment & closing costs?
Collateral– if the house worth what you’re paying for it?

Closing Costs:

Credit & Buying a Home:

First Time Home Buyers: How to Purchase Part 1:

First Time Home Buyers: How to Purchase Part 2:

First Time Home Buyers: Down Payment Assistance:    

Loan Programs More:  

More on Interest Rates:

Connect with me anywhere! Helpful tools such as prequalification, rate calculator and much much more. Copy and paste to download:


~~Solutions. Results. Reliable~~
Mortgage Lender serving Palm Coast, FL and surrounding counties.  

Danielle Desousa
Mortgage Loan Originator
NMLS #1649268
Hours: Mon-Fr 8a-6p (hours may vary)
Apply Now: – click Apply Now

First Time Home Buyer? Check out this FB Group:

4101 E. Moody Blvd. #218
Bunnell FL 32110

Pet Friendly Lender

Danielle Desousa is originally from beautiful northern Michigan, but has lived in Daytona Beach and Palm Coast Florida since 2000. She is a graduate of Daytona State College with a bachelor’s degree in Business Management and has more than 17 years of experience in the real estate and mortgage industry. As a mortgage loan originator, she uses her experience and true entrepreneurial spirit to help clients succeed in their goals as well as to bring an enhanced quality of life to families and the community. Danielle is married to Paul, and together they have one son. She is also an avid pet lover and, in her free time, enjoys going with her family (including her doggies) camping and exploring areas in their travel trailer. Danielle is passionate about her community and giving back. She is a huge advocate of Flagler Humane Society, and is a committee member of the Flagler Humane Society thrift store, and an affiliate of Young Professional Network of Flagler County Association of Realtors. Danielle is a mortgage loan originator who thrives on solutions, results, and reliability. She serves Palm Coast, FL and the surrounding counties. Call, text, or email Danielle with any questions you may have or to schedule an appointment. FLAGLER PET-FRIENDLY LENDER! As a lifelong animal lover, volunteer, and a "mom" of many pets over the years, I know the amount of love an animal brings to a family. Therefore, I feel there is no better way to celebrate your new home than by adopting a pet to make it complete. Contact me today for more information about local shelter PET ADOPTIONS!

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