Attention all aspiring homeowners in Florida! We have fantastic news for you. The highly anticipated Florida Hometown Heroes Down Payment Program is making a return on July 1st. This program provides a unique opportunity for eligible full-time workforce members, employed by a Florida-based employer, to achieve their dream of homeownership with valuable down payment and closing cost assistance. But act fast—funds are limited, and this opportunity might not last long!

What is the Florida Hometown Heroes Down Payment Program?

The Florida Hometown Heroes Down Payment Program is designed to support our state’s essential workers by providing financial assistance for down payments and closing costs. This program aims to make homeownership more accessible and affordable for those who contribute to our communities every day.

Key Benefits of the Program:

  • Lower Than Market Interest Rates: Access FHA, VA, RD, Fannie Mae, or Freddie Mac first mortgages at reduced interest rates.
  • Reduced Upfront Fees: Benefit from lower upfront fees.
  • No Origination or Discount Points: Save on origination and discount points.
  • Down Payment and Closing Cost Assistance: Receive up to 5% of the first mortgage loan amount (maximum of $35,000) for down payment and closing costs.
  • Deferred Second Mortgage: Down payment and closing cost assistance is available as a 0%, non-amortizing, 30-year deferred second mortgage. This second mortgage becomes due and payable in full upon sale of the property, refinancing of the first mortgage, transfer of deed, or if the homeowner no longer occupies the property as their primary residence. The Florida Hometown Heroes loan is not forgivable.

Who is Eligible?

The Florida Hometown Heroes Down Payment Program is open to a wide range of essential full-time workforce members employed by a Florida-based employer, including but not limited to:

  • First Responders (Police officers, firefighters, paramedics, etc.)
  • Healthcare Professionals (Doctors, nurses, medical technicians, etc.)
  • Educators (Teachers, school administrators, etc.)
  • Military Personnel (Active duty, veterans, and reservists)
  • Other Eligible Workforce Members

Why You Should Act Fast

The Florida Hometown Heroes Down Payment Program is a golden opportunity, but it’s important to act quickly. Here’s why:

Limited Funds: The program has a finite amount of funds available, and demand is expected to be high. Once the funds are depleted, the program will no longer be able to provide assistance.

High Demand: With the popularity of the program and the significant benefits it offers, funds are likely to run out quickly. Don’t miss your chance to secure this valuable assistance.

Early Application Advantage: By applying early, you increase your chances of receiving the financial support you need to make your homeownership dreams a reality.

How We Can Help

As your trusted mortgage brokers, we are here to guide you through every step of the process. Here’s how we can assist:

Expert Guidance: We’ll help you understand the program’s requirements and benefits, ensuring you’re fully informed and prepared.

Streamlined Application Process: We’ll assist you with the application process, helping you gather the necessary documents and submit your application promptly.

Access to Lenders: With our extensive network of lenders, we can help you find the best mortgage options that align with the Florida Hometown Heroes Down Payment Program.

Ongoing Support: From initial consultation to closing, we’ll be with you every step of the way, ensuring a smooth and stress-free experience.


The return of the Florida Hometown Heroes Down Payment Program on July 1st is a tremendous opportunity for our community’s essential workforce to achieve their dream of homeownership. With limited funds and high demand, it’s crucial to act quickly to take advantage of this incredible program.

Ready to make your homeownership dreams come true? Contact us today to get started. Let’s make sure you secure your spot in the Florida Hometown Heroes Down Payment Program before the funds run out!