Melanie Bartley, Realtor, SRES - Top Performance Real Estate Consultants

08/01/2026

If anyone wants a good gf peanut butter cookie recipe, let me know. It’s a tea and cookie kinda day😊

07/29/2026

Hometown Heroes Loan Program
The Florida Hometown Heroes Loan Program just got replenished with $50 million dollars. If you or someone you know meets the following parameters, please contact me so I can direct you to a loan officer familiar with this program. It is a great opportunity for down payment assistance up to $35,000! And remember, “first time” homebuyer definition for this program is for someone that has not owned a home for 3 years. Melanie Bartley, Realtor. 352-634-2331.

Eligibility Requirements.What are the eligibility requirements for the Hometown Heroes Program Florida?

AI Overview

The 2026 Florida Hometown Heroes (HTH) program offers up to 5% of the first mortgage amount (max $35,000) in down payment assistance to first-time homebuyers who are full-time employees of Florida-based employers, work in specific occupations (healthcare, school, police, fire, etc.), earn under 150% of the area's median income (AMI), and have a minimum 640 credit score.

Key Eligibility Requirements:

Occupation:

Must work full-time (35+ hours/week) for a Florida-based employer in an approved role, including police, firefighters, EMTs, nurses, teachers, healthcare staff, and childcare workers.

Employment:

Active duty/reserve military and veterans are eligible regardless of the specific employer, though they must work for a Florida-based employer.

First-Time Buyer:

All borrowers must be first-time homebuyers (not owned a home in the last 3 years), though this requirement is waived for veterans and active-duty military.

Income Limit:

Household gross income must not exceed 150% of the county's area median income.

Credit Score:

Minimum 640 FICO score required (660 for manual underwriting).

Location/Property:

The property must be a primary residence located in Florida. Eligible properties include single-family homes, townhomes, and FHA-approved condos.

Education:

At least one borrower must complete an approved homebuyer education course.

Program Details:

This is a 30-year, 0% interest, non-amortizing second mortgage, meaning no monthly payments, but it is not forgivable and must be repaid upon selling, refinancing, or transferring the home.

The program can be paired with FHA, VA, Conventional, or USDA loans.

The program officially relaunches for the new cycle on July 1 of each year, and funds are limited.

10/20/2025

https://portal.onehome.com/en-US/share/1013466C55825

Industrial Zoned warehouse just listed. 9,000 sq feet on 2.48 acres. Click for details.

03/10/2025

Couples often wait years after marriage to buy a home. To save time, opt for cash wedding gifts, avoid debt, explore first-time buyer programs and use tax benefits.

02/24/2025

01/16/2025

https://matrix.mlscitrus.com/matrix/shared/mkvxkdDVjw/6204WDresselCourt

Just listed! One of three vacant lots available! Adjacent homes for sale as well. Buy the package or just one!

MLS # 840632 – One of three contiguous lots availble. This is the furtherest east lot (33) . Beautiful mature oaks, recently installed 5' wire and post fence, cul de sac road. High and dry and suita...

01/16/2025

https://matrix.mlscitrus.com/matrix/shared/w5DcHzyTjw/6204WDresselCourt
One of three lots available. Adjacent homes also available.

MLS # 840631 – One of three contiguous lots availble. This is the middle lot (32). Beautiful mature oaks, recently installed 5' wire fence with posts, cul de sac road. High and dry and suitable for...

01/16/2025

https://matrix.mlscitrus.com/matrix/shared/0smVyWtSjw/6204WDresselCourt

MLS # 840629 – One of three contiguous lots availble. Ths is the corner lot (31). Beautiful mature oaks, 5' recently built fence on 3 sides. High and dry and suitable for site built, mobile or modul...

01/16/2025

https://matrix.mlscitrus.com/matrix/shared/PYP26LlQjw/6171WAnselCourt

New on market! Beautiful Jacobsen 3/2 home with detached garage. Extra lots availble if interested!

MLS # 840560 – Everything you need to start enjoying the Nature Coast is here! Lovingly maintained 2018 Jacobsen home has a stunning kitchen with cabinets galore, walk in pantry, HUGE island, maste...