First Time Home Buyers

Aparo-Griffin Properties specializes in helping first time home buyers find and obtain the financing needed to purchase their first home. Aparo Griffin Properties is an affordable housing partner.

What is an Affordable Housing Partner (AHP)?

The AHP is a group of housing counseling agencies, lenders and real estate agents who were trained by Volusia County Community Assistance about the Home Purchase Programs and who are interested and have experience helping first-time homebuyers purchase a safe, decent and affordable home. For over 10 years Aparo Griffin Properties has been one of few real estate companies in all of Volusia County that participates in the program.

Eligibility requirements*:

  • The applicant(s) cannot have previously received housing assistance from Volusia County
  • The applicant cannot have owned a home within the last three years (additional restrictions may apply)
  • The applicant must be able to secure a first mortgage

    *Additional eligibility and program requirements will apply.

Florida Bond | Florida Mortgage Credit Certificate | Hardest Hit Fund

Florida Mortgage Credit Certificate
A Florida Housing Mortgage Credit Certificate (MCC) allows the homebuyer to claim a tax credit for 50% of the mortgage interest paid per year, capped at $2,000 annually. It is a dollarfor- dollar reduction against your federal tax liability.

  • are first time homebuyers
  • meet income and home purchase price limits
  • meet the qualifying requirements of a mortgage loan
  • will use the home as your primary residence
This program requires you to attend homebuyer education counseling. Does It Expire? Qualified homeowners may claim this tax credit as long as the home remains your principal residence and interest is being paid on the mortgage. If sold within the first nine years, you may be subject to the Federal Recapture Tax.

For more information please contact Aparo Griffin Properties at 386-738-2845 or you can email us at


First Time Home Buyers
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Florida Bond

Florida Mortgage Credit Certificate

Hardest Hit Fund

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