Could Florida Hometown Heroes Help You Buy a Home? 

Buying a home can feel a whole lot easier when you don’t have to come up with all of the down payment and closing costs on your own.

The Florida Hometown Heroes Housing Program was created to help eligible Florida homebuyers with funds toward their down payment and closing costs.

And despite the name, you don’t have to wear a cape. 😊

How Does Hometown Heroes Work?

If you qualify, Hometown Heroes may provide down payment and closing cost assistance to help reduce the amount of money you need to bring to closing.

The assistance is provided as a 0% interest, deferred-payment second mortgage, which means there is no monthly payment on the assistance.

It isn't free money, though. The assistance will eventually need to be repaid—typically when you sell the home, refinance, transfer ownership, or pay off the first mortgage.

Do I Qualify?

That's the big question—and it's not always as simple as looking at a list of occupations.

Eligibility can depend on several things, including:

✓ Your occupation and employer
✓ Where you work in Florida
✓ Your household income
✓ Your credit profile
✓ The home you're purchasing
✓ The type of mortgage you're using

The good news? You don't have to figure all of that out yourself.

That's my job. 

What If I Don't Qualify for Hometown Heroes?

Don't give up on buying a home.

Hometown Heroes is only one possible path to homeownership.

I work with a variety of mortgage programs, including other down payment assistance options, FHA, Conventional, VA, USDA and more.

Sometimes Hometown Heroes is the best option. Sometimes another program actually gives you a better overall mortgage.

We'll look at the whole picture—including your monthly payment and long-term costs—not just how much assistance you can receive.

Let's Find Out What Works for You

I've been helping Florida families with mortgages for more than 20 years, and my philosophy is pretty simple:

I'll do the homework. I'll explain your options. And we'll figure out what makes the most sense for YOU.

No pressure. No guessing. And no need to become a mortgage expert before you're allowed to ask questions. 😊

Ready to see what's possible?

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Let's Check Your Options Below