The Florida Hometown Heroes Housing Program makes homeownership affordable for eligible frontline community workers such as law enforcement officers, firefighters, educators, healthcare professionals, childcare employees, and active military or veterans.
Eligible frontline workers can receive lower than market rates on an FHA, VA, RD, Fannie Mae or Freddie Mac first mortgage, reduced upfront fees, no origination points or discount points and down payment and closing cost assistance.
Borrowers can receive up to 5% of the first mortgage loan amount (maximum of $25,000) in down payment and closing cost assistance.
Down payment and closing cost assistance is available in the form of 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 his/her primary residence. The Florida Hometown Heroes loan is not forgivable.
Borrowers can receive up to 5% of the first mortgage loan amount (maximum of $25,000) in down payment and closing cost assistance.
Down payment and closing cost assistance is available in the form of 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 his/her primary residence. The Florida Hometown Heroes loan is not forgivable.
Find Out If You Are Eligible
Who is eligible for the housing program?
The Hometown Heroes Housing Program will be available to Floridians in such occupations as law-enforcement officers, firefighters, educators, healthcare professionals, childcare employees and active military or veterans.
COMMUNITY IS EVERYTHING
Our mission is not complete without being able to give back to the community that we are part of. Every year we choose local organizations, that represent important causes in our community, as recipients for annual donations. This is just one way that we can contribute to a better world.
GET MORE INFORMATION ON HERO SAVINGS
VIDEOS
Check out our video resources to learn more about the buying and selling process