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surveyor to visit the property and ensure it is Guide to buying in first time home buyer loan florida UK from the Royal Institution of Chartered Surveyors. To keep borrowers on the hook for the unpaid portion of the loan, lenders must pursue ``judicial foreclosures'' through the courts. Judgments are good for 10 years but can be renewed. Richards has written an upcoming trade journal article advising ``option first time home buyer loan florida lenders to add disclosures about the risks of refinancing. These loans give borrowers the choice of making monthly payments that don't even cover the interest due -- a practice that can leave borrowers owing more than the original loan.