Why Hometown Heroes?

✅ Up to $35,000 in down payment & closing cost assistance
✅ All Full-Time employees of Florida based employers
✅ DPA second mortgage — no monthly payments
✅ Use with FHA, VA, USDA, or Conventional loans
✅ Get prequalified in minutes with our HTH Expert AI assistant

How It Works

Chat With Our HTH Expert AI Bot → Confirm Eligibility → Apply for Preapproval → Shop With Confidence → Close With Up to $35K in Interest-Free Assistance

Have Questions About Qualifying?

Use the AI Assistant below — it’s the fastest, most effective way to see if you’re eligible for Florida’s #1 Down Payment Assistance Program. Get real-time, accurate answers 24/7.

Do You Qualify for Florida’s Hometown Heroes Program?

🔹 Employed in Florida: Full-time work for a Florida-based employer. Remote jobs must be tied to a Florida HQ.
🔹 First-Time Homebuyer: Haven’t owned a home in the last 3 years. (Veterans & active military are exempt.)
🔹 Income Limits: Must fall within program limits. Tri-County: TBD
🔹 Credit Score: Minimum FICO of 640
🔹 Loan Type: FHA, VA, USDA, or Conventional (Freddie Mac)
🔹 Homebuyer Education: Completion of a state-approved class is required

Click Here To Apply

Real Reviews from Florida Heroes

“Without this program, we wouldn’t have been able to buy our home. Todd made it seamless.”
– Maria T., Florida Teacher

More Than a Mortgage — A Strategic Guide to Homeownership

🎓 Certified Mortgage Advisor™ — Expert in residential mortgage lending
🔎 Licensed Realtor® — Additional insights
🤖 AI-Powered System — Faster approvals, smarter guidance, no unnecessary delays

Start Your Application

Florida’s Top Mortgage Broker Helps Eligible First-time Homebuyers, Teachers, Nurses, First Responders & Veterans Buy with Confidence

📅 Meet with Todd – Book Your Time

Hometown Heroes Program – FAQWhat is the Hometown Heroes program?
It’s Florida’s down payment and closing cost assistance program for full-time employees of Florida-based companies.
Who qualifies for the program?
Anyone working full-time for a Florida-based employer, regardless of job title or profession.
How much assistance can I get?
Up to 5% of your loan amount, capped at $35,000, in a 0% interest deferred second mortgage.
Do I need to repay the assistance?
Only if you sell, refinance, or move out of the home—it’s not a monthly payment loan.
What types of loans qualify?
FHA, VA, USDA, and Conventional loans are eligible under HTH.
Is this based on my household income?
No. Income limits apply to the borrower only—not the full household.
Can I own another home?
No. You must be a first-time homebuyer (not owned a home in the past 3 years).
Can I use other assistance programs too?
Not with other Florida Housing DPAs, but some local grants may be allowed.
What's the difference between TBA and Bond?
Bond has stricter timelines and rate locks. TBA offers more flexibility. Both provide the same assistance structure.
Are interest rates fixed?
Yes. Rates are fixed for 30 years and generally below market levels.
What happens if I change jobs after closing?
You’re fine—eligibility is based on employment at the time of closing only.
What types of homes are eligible?
1–4 unit primary residences. Manufactured homes only allowed with VA or USDA loans.
Is homebuyer education required?
Yes, from a HUD-approved provider. Must be completed before closing.
Do both borrowers get separate assistance?
No. Only one second mortgage is issued per transaction, regardless of how many borrowers qualify.
What credit score do I need?
Minimum 640 for most loans. Some conventional loans may require 680.
Are income limits the same everywhere?
No. Limits vary by county and loan type. Check your specific area.
What fees are involved?
$400 compliance fee, $75 MCC fee, plus standard lender fees may apply.
What documents do I need to apply?
VOE, recent pay stubs, credit report, signed certifications, and homebuyer education certificate.
Can I use the program twice?
No. It’s a one-time benefit per borrower.
How do I apply?
Click "Apply Now" or chat with our AI assistant to get prequalified in minutes. We’ll guide you every step of the way.

✅ Apply Now