07/21/2026
Hometown Heroes Mortgage assistance is back! If you were waiting for the right time to buy and you qualify, now is the time to learn more about this program and the market. Please contact me for more information...
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The Florida Hometown Heroes Loan Program provides down payment and closing cost assistance, lower mortgage rates, and special benefits to eligible first-time homebuyers in qualifying occupations or military service.
Program Overview:
The Florida Hometown Heroes Program is designed to make homeownership more affordable for eligible workforce members and veterans. It offers down payment and closing cost assistance in the form of a 0% interest, non-amortizing, 30-year deferred second mortgage, which becomes due upon sale, refinancing, transfer of deed, or if the home is no longer the primary residence. The program is not forgivable and is available to first-time homebuyers or those who have not owned a home in the past three years, with exceptions for active-duty military personnel
Eligible participants include:
Healthcare workers, teachers, school staff, childcare workers, first responders, public safety or court employees employed full-time by a Florida-based employer as well as active-duty military, veterans, or members of the Florida National Guard employed full-time by a Florida-based employer.
Applicants must have a minimum credit score of 640, earn less than 140–150% of the area median income depending on county limits, and complete an approved homebuyer education course
Financial Assistance Details:
Borrowers can receive up to 5% of the first mortgage loan amount, with a maximum of $35,000 and a minimum of $10,000, toward down payment and closing costs.
The program is compatible with FHA, VA, USDA, and Conventional loans, offering competitive interest rates, reduced upfront fees, and no origination or discount points.
The assistance is structured as a second mortgage that is deferred and interest-free, but repayment is required under certain conditions such as selling or refinancing the home.
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