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Florida Hometown Heroes Program
If you're a full-time worker (any industry) in Florida — especially in essential roles like healthcare, education, law enforcement, or the military — the Hometown Heroes Housing Program might be your ticket to homeownership.
What is the Hometown Heroes Program in Florida?
What is the Hometown Heroes Program?
If you're a full-time worker in Florida — especially in essential roles like healthcare, education, law enforcement, or the military — the Hometown Heroes Housing Program might be your ticket to homeownership.
This state-backed program helps first-time homebuyers with:
Up to 5% of the loan amount in down payment and closing cost help (capped at $35,000).
0% interest, 30-year second mortgage – no monthly payments!
Lower interest rates and reduced upfront fees on your primary mortgage.
Who Qualifies for Hometown Heroes in Florida?
To qualify, you must:
Be a first-time homebuyer (haven’t owned in the last 3 years).
Work full-time for a Florida-based employer (veterans are exempt!).
Buy a primary residence in Florida.
Meet the income limits for your county.
Take a HUD-approved homebuyer education course (unless you’re a qualifying veteran).
📌 Note: One borrower must meet the employment requirement — not all co-borrowers.
How to Apply for the Hometown Heroes Program
Get pre-approved with an authorized Florida lender (that’s us!).
Submit proof of employment and income.
Complete your homebuyer education.
Close on your home and receive your assistance.
⛔ Beware of scams! You should never be charged to apply.
Let’s Get You Home
The Hometown Heroes Program is more than a grant — it's a game changer for hardworking Floridians who dream of owning a home. Whether you're a teacher, nurse, police officer, or veteran, this program could help you save thousands at closing.