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Niki Vermilyea

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Niki Vermilyea is an ERA ONETEAM agent in Nassau County, FL and Georgia. With 20+ years in finance and a life full of beach days, fishing, and raising two sporty boys, she brings real heart to helping buyers and investors find their perfect home.

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Florida First-Time Homebuyer Programs and Grants

Florida has more assistance programs than most buyers realize — including down payment help up to $35,000 and zero-interest deferred loans. This guide breaks down every program available and who qualifies.

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