THINKING OF MAKING DELTONA YOUR NEW HOME?
Stop searching listings. Let’s talk first — I’ll show you the best programs, loans, and then houses that fit your needs and budget, unlike the internet.
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Meet Warren, your one-stop shop broker.
Homelis Realty & Homelis Mortgage
Licensed in Florida | NMLS 2702735
A+BBB Rated | 200+ 5 Star Reviews
As a licensed Realtor and Mortgage Broker serving Deltona, I help first-time buyers qualify for programs worth up to $35,000 in assistance. I’ll personally walk you through the process — no big banks, no generic portals, no wasted miles.
THIS IS FOR BUYERS WHO:
✅ Are you ready to buy in Deltona
✅ Need down-payment assistance
✅ Have a 640+ mid-FICO Score
✅ Mini income $5,000 + no/low debts
✅ High income + midium debt
✅ Ready to schedule a quick call
AVAILABLE PROGRAMS:
✅ County Assistance up to $70,000
✅ Florida Bond up to $10,000
✅ 3%, 4%, 5% Grant on Conv. Loan
✅ HomeReady® First up to $5,000
✅ HomeTown Heroes up to $35,000
✅ USDA 100% Financing
✅ VA 100% Financing
✅ Up to $10,000 Repayable Second Lien
THREE-STEP PROCESS:
✅ Quick Call (5–10 min) — See programs you qualify for.
✅ Pre-Approval & Assistance Program Match Up
✅ Home Search — Once qualified, I’ll show you homes that fit your budget and benefits.
FREE CONSULTATION. SIGN-UP.
No spam. No obligation. Just real answers from your local expert.
PENDING AND RECENT SALES
Serving Central Florida Counties: Lake, Orange, Osceola, Polk, Seminole and Volusia
Deltona FL
Deltona FL
Deltona FL
Deltona FL
Ocoee FL
Lees Burg FL
Lees Burg FL
St. Cloud FL
Casselberry FL
Winter Springs FL
East Orlando FL
Kissimmee FL
Kissimmee FL
Kissimmee FL
Kissimmee FL
Winter Haven FL
Orlando FL
Palm Coast FL
Mount Dora FL
Winter Garden FL
Deltona FL
Kissimmee FL
Auburndale FL
Winter Haven FL
St. Could FL
Winter Haven FL
PEOPLE, I HAVE HELP.
PEOPLE, I HAVE HELP.
FREE CONSULTATION. SIGN UP.
SAVE $1000s | HOMELIS REALTY
For many years, we have strived to make homeownership a reality for all families across the state of Florida. This passion has led our elite team of Realtors to bolster their negotiation skills. We’ve won seller’s concession for our buyers at a 99.9% rate. Couple your seller’s concession with the first-time home buyer down payment assistance grant, you can buy that home, save big AND pocket your earnest at closing! Here’s how it works… find the home you love, work with one of HOMELIS’ amazing Realtors to purchase the home, TRUST us to negotiate on your behalf, then watch your savings soar! It. is. that. simple. Remember, your dedicated HOMELIS Realtor will help negotiate YOUR offer, guide YOU through the escrow process, and make sure all of YOUR interests are protected. We put YOU first! Get started now!
REAL PEOPLE. REAL RESULTS
What past clients are saying
“Warren was an amazing realtor and made the process to by a home stress free. No matter what questions or concerns we threw at him he was able to find the answers/solve the problem and put our minds at ease. Warren is very knowledgeable on all things real estate… couple that with his personable attitude and that’s a combination for great business. He made my husband an I feel comfortable throughout the entire process (even during a pandemic) I would highly recommend Warren!”
“Warren is a very diligent and informed broker/agent. He knows how to translate what you want/ need to find your dream home. He goes the extra mile to make-sure your concerns are addressed anytime you need him. I highly recommend Warren to anyone that’s thinking of buying there first home. Homelis helped us find our first home and we couldn’t be happier!”
“From the moment we scheduled our consultation he treated us like family. He made it very easy to understand the steps on purchasing a home. Both Warren and his team were very knowledgeable and assisted us every step of the way. Our experience with Warren has been FANTASTIC! He’s definitely the one you want on your home shopping team. Your guaranteed to have an AMAZING experience. Thank you Warren❤????”
“Warren Spencer… Is professionalism at his finest. There’s no “REAL” Estate Broker with the knowledge , and experience to always find the time to educate you on the whole home buying process. Forever grateful for making this a memorable experience for me, and my family.??????⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️”
“Positive: Professionalism, Quality, Responsiveness, Value
Warren was a pleasure to have as my real estate agent. He never left any question unanswered. I am beyond grateful for Warren’s prompt response time, his professionalism, and his overall dedication to getting the job done. I would definitely recommend Warren and his team for your real estate needs.”
“Warren was a pleasure to have as my real estate agent. Warren never left any questions unanswered and always responded promptly. I would highly recommend him over any brokers as you will save thousands as well as receive the best service any agent can provide. I know from experience as we were able to buy our home in less than a few months. Awesome guys!”
Maldonado Family
Swift Family
Valencia & Elvin H.
Tiffany D. and Mom
Nickey & David M.
Monica & Rachid M.
Leonard & Tanya C.
Kendra and Dalton S.
Cynthia R.
Frequently Asked Questions
Have questions about buying your home? We’ve got answers to help you understand the process and make informed decisions.
✅ Am I eligible for down-payment assistance?
If you’re buying a primary home in Florida, have a middle credit score of 640 or higher, steady income, and haven’t owned a home in the last 3 years, you may qualify for one or more local or state programs. We’ll verify which programs fit your situation in just a few minutes during our free call.
✅ What does “up to $70,000 in assistance” really mean:
That’s the maximum total available through city, county, and state programs that can combine for eligible buyers.
It can include:
— Down-payment help
— Closing-cost credits
— Forgivable grants or deferred-payment loans
The actual amount depends on your income, household size, and the specific program you qualify for.
✅ Do I have to pay the assistance back?
Usually no — most local programs are forgivable after you live in the home for a set period (typically 5 years).
Some programs are structured as 0% deferred loans, meaning repayment only if you pay off your first mortgage, sell, or refinance early.
We’ll explain each option so you know exactly how it works before applying.
✅ How long does the approval process take?
It’s typically 30–45 days from application to closing, depending on your readiness and the program’s processing time.
Pre-qualification can happen in the same day — we just need your basic info to get started.
✅ Does my credit have to be perfect?
Not at all.
Most programs accept a minimum FICO score of 640.
If you’re very close, we’ll help you see simple ways to raise your score and still qualify.
✅ Can I use the assistance with any home?
Yes — as long as it’s your primary residence and located within Florida, and it meets FHA, VA, or Conventional guidelines.
New construction and existing homes are both eligible.
✅ What if I already own a home?
Some programs are for first-time buyers only, but others allow “move-up” buyers if you haven’t owned in the last 3 years.
If you currently own and want to sell, we can pair your sale and purchase together to maximize savings.
✅ How much money do I need up front?
Most buyers bring $5,000–$7,500 total to start the process.
That covers 1% earnest deposit, home inspections, and minor fees before assistance is applied.
We’ll outline exactly what’s needed based on your program and purchase price.
✅ Can I get help with closing costs too?
Yes — many programs allow closing-cost credits in addition to down-payment help.
You may also combine them with seller credits or lender credits to further reduce what you bring to closing.
✅ Why work with Homelis instead of searching listings online?
Because we’re not a listing site — we’re your local funding + home-finding team.
We guide you from program qualification → loan approval → finding your Florida home, all under one roof.
That saves you time, mistakes, and unnecessary miles.
Service Areas:
We provide real estate services throughout Central Florida, while our mortgage and down payment assistance programs are available to buyers anywhere in Florida.
✅ Flagler County
Palm Coast, Bunnell, Flagler Beach, Beverly Beach, Marineland, Hammock, Espanola, Korona, Dupont, Cody’s Corner, Painters Hill, Daytona North, Crescent Lake Junction, Haw Creek
✅ Lake County
Clermont, Leesburg, Eustis, Tavares, Mount Dora, Minneola, Lady Lake, Groveland, Umatilla, Fruitland Park, Sorrento, Howey-in-the-Hills, Mascotte, Grand Island, Astatula, Montverde, Astor, Yalaha, Altoona, Okahumpka, Paisley, Mount Plymouth, Ferndale, Silver Lake, Pine Lakes, Lake Mack-Forest Hills, Lake Kathryn, Lisbon, Pittman
✅ Marion County
Ocala, Belleview, Dunnellon, Reddick, McIntosh, Anthony, Citra, Fort McCoy, Silver Springs, Summerfield, Ocklawaha, Marion Oaks, Orange Springs, Sparr, Eastlake Weir, Lowell, Fairfield, Orange Lake, Zuber, Flemington, Weirsdale
✅ Orange County
Orlando, Winter Park, Apopka, Winter Garden, Ocoee, Windermere, Maitland, Lake Buena Vista, Doctor Phillips, Pine Hills, Hunters Creek, Belle Isle, Meadow Woods, Azalea Park, Gotha, Oak Ridge, Lake Hart, Eatonville, Pine Castle, Zellwood, Oakland, Union Park, Conway, Orlovista, Bay Hill, Lake Butler, Bithlo, Holden Heights, Sky Lake, Southchase, Fairview Shores, Williamsburg, Wedgefield, Alafaya, Christmas, Edgewood, Tangelo Park, South Apopka, Lockhart, Tildenville, Tangerine, Paradise Heights, Taft
✅ Osceola County
Kissimmee, St. Cloud, Poinciana, Celebration, Buena Ventura Lakes, Yeehaw Junction, Campbell
✅ Polk County
Auburndale, Babson Park, Bartow, Davenport, Haines City, Lakeland, Lake Wales, Loughman, Polk City, Winter Haven
✅ Seminole County
Sanford, Altamonte Springs, Lake Mary, Oviedo, Longwood, Casselberry, Winter Springs, Heathrow, Fern Park, Wekiwa Springs, Geneva, Chuluota, Forest City, Midwa
✅ Volusia County
Daytona Beach, DeLand, Deltona, New Smyrna Beach, Ormond Beach, Port Orange, Orange City, DeBary, Edgewater, South Daytona, Holly Hill, Ponce Inlet, Daytona Beach Shores, DeLeon Springs, Lake Helen, Oak Hill, Samsula-Spruce Creek, Pierson, Ormond-By-The-Sea, North DeLand, DeLand Southwest, West DeLand, Glencoe
*Homelis Realty, Inc. does not provide or create mortgage loans. However, our Real Estate Broker, Warren Spencer (NMLS ID: 2277168), is a licensed mortgage loan officer offering mortgage products to Homelis Realty customers through a third-party mortgage broker, Homelis Mortgage, Inc. (NMLSR ID: 2702735). We support and guide first-time homebuyers through down payment and closing cost assistance programs, which typically require no minimum buyer contribution. All assistance and grant programs are administered by third-party entities that establish their own regulations, restrictions, and qualification criteria. Some programs may require repayment or include conditions that could trigger repayment, while others may not. Down payment assistance (DPA) programs are offered through various state, county, and local agencies—each setting its own interest rates, terms, and eligibility requirements, which may differ from standard market rates. Homelis Mortgage, Inc. does not control or determine the interest rates or conditions associated with any DPA program. Outside of DPA programs, your interest rate is based on individual qualifying factors, such as credit score, loan product, and overall borrower profile. Interest rates, program availability, and qualification requirements are subject to change without notice. Homelis Realty, Inc., its agents, and associates are not liable for non-qualification, program unavailability, or changes to program conditions. All loans are subject to credit and underwriting approval.
By providing my phone number to “Homelis Realty,” I agree and acknowledge that “Homelis Realty” may send text messages to my wireless phone number for any purpose. Message and data rates may apply. Message frequency will vary, and you will be able to Opt-out by replying “STOP.” For more information on how your data will be handled, please visit our PRIVACY POLICY page.
Homelis Realty, Inc. License Numbers: CQ1055130; Homelis Realty, Inc. fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. The Homelis Realty Inc. main office is located in Deltona, FL. Contact: (407) 337-8333.
840 Deltona Blvd, Unit F1, Deltona, FL 32725 
(407) 337-8333 