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Cheryl Waller MBA
Cheryl Waller MBA
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Florida Hometown Heroes Housing Program

The Florida Hometown Heroes Housing Program is available as of June 1, 2022 through the Florida Housing Finance Corporation (Florida Housing). This is a state funded program that makes homeownership more affordable for eligible community workers and frontline public service workers such as law enforcement officers, EMTs, firefighters, corrections officers, educators, doctors, nurses, dentists, dental assistants, childcare employees, and active duty or veterans (discharged as anything other than dishonorable).


Florida Housing was created by the state Legislature 40 years ago to assist in providing affordable housing programs and opportunities for homebuyers. Its mission is to respond to the affordable housing challenges of our state with fiscally intelligent solutions.


On June 1st, 2022 they launched their newest FL Hometown Heroes Housing Program


This program provides down payment and closing cost assistance to first-time, income-qualified homebuyers so they can purchase a primary residence in the community in which they work and serve. The Florida Hometown Heroes Loan Program also offers a lower first mortgage rate and additional special benefits to those who have served and continue to serve their country.


  • Borrowers can receive up to 5% of the first mortgage loan amount (maximum of $25,000) in down payment and closing cost assistance from the Florida Hometown Heroes Program.
  • PLUS I help you with an additional amount up to $10,000 in closing costs to ease your transition into your new home! Learn more about my buyer rebates.


LEARN ABOUT HOMETOWN HEROES

Find Out if You Qualify

for FL Hometown Heroes

Get pre-approved by applying online, or download my mini-app to check basic eligibility without a credit pull.

Apply Online

Full Application

Download Mini-App

No SS# or Credit Pull Required.

Find Out if You Are Eligible

Program Details:

  • 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.

 

Find Out If You Are Eligible:

Apply Now
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