Many families want to realize their dream of owning a home but struggle with saving the required down payment and closing costs necessary to buy a house. 

Florida's Hometown Heroes mortgage program helps to provide our community heroes with funds towards their down payment and closing costs to help more heroes become homeowners.

 

This program is available to first-time homebuyers who work full-time for a Florida-based employer. Eligible professions could qualify for closing costs and/or down payment assistance up to 5% of their total mortgage amount.

 

Connect with a Loan Officer Today!

Fill out your info and we'll give you a call to discuss your best options. 

Eligible for Full-Time Workers in Florida

  • Must be a full-time employee employed by a Florida-based employer.

Up to 5% in Down Payment Assistance 

  • Eligible borrowers can receive up to 5% of their first mortgage loan amount (maximum of $35,000) in down payment and closing cost assistance.

 

Program Details

  • Reduce upfront fees and receive down payment and closing cost assistance.

What is Hometown Heroes Mortgage Program? 

The Florida Hometown Heroes Loan Program offers a lower first mortgage rate AND additional special benefits by providing down payment and closing cost assistance to qualified homebuyers across the state of Florida.

This new mortgage program offered exclusively in Florida makes housing available for eligible Florida-based workers. 

Hometown Heroes promotes affordable homeownership for qualifying workers in Florida by providing down payment and closing cost assistance to qualified homebuyers  Eligible borrowers may receive up to 5% of the total loan amount in the form of a 0%, non-amortizing, 30-year deferred second mortgage. 

 

Sound confusing? We can walk you through the benefits of the program and help you determine eligibility.

Hometown Heroes Highlights

The Hometown Heroes program will reduce the upfront mortgage costs for homebuyers by providing zero-interest loans to help with down payment and closing costs. 

 

  • Down payment assistance and closing cost assistance

  • Up to 5% of total loan amount as 0%, non-amortizing, 30-year deferred second mortgage.

  • Maximum of $35,000 

  • Primary residences only

  • First-time home buyers

  • Full-time employees of Florida-based employers

  • Additional terms and conditions apply

Professions Include*: 

Open to ALL full-time workers employed by a Florida-based employer

  *Eligible occupations for fl hometown heroes loan program |  This advertisement is for business and professional use only to assist real estate professionals and homebuyers and is not an advertisement to extend consumer credit as defined by section 226.2 of regulation Z.   |   All loans subject to borrower qualifying. This is not a commitment to lend. Other restrictions may apply. Guidelines are subject to change without prior notice.  |  Page Updated 7/18/22