Hometown Heroes

The Florida Hometown Heroes Housing Program makes homeownership affordable for eligible community workforce.

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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.

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.

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Eligible full-time workforce,

employed by a Florida-based employer can receive lower than market interest 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.

Community health care workers and frontline medical group and patients teamwork as a group of doctors and nurses joining together as physicians unified for patient care in a 3D illustration style.

Borrowers can receive up to 5%

of the first mortgage loan amount (maximum of $35,000) in down payment and closing cost assistance.

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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 FL Hometown Heroes loan is not forgivable.

Eligible Occupations

Law Enforcement

  • Sworn Law Enforcement Officer
  • Certified Correction Officer
  • Correctional Probation Officer
  • Juvenile Detention Officer or Juvenile Probation Officer
  • Law Enforcement Officers eligible under the Law Enforcement Recruitment Bonus Payment Program

Paramedics & First Responders

  • Firefighter
  • Certified Paramedic
  • Certified Emergency Medical Technician (EMT)
  • 911 Public Safety Communicator

Childcare & Education

  • Certified K-12 Educators to include:
    • Classroom Teacher
    • Career Specialist
    • Librarian/Media Specialist
    • School Counselor
    • Social Worker
    • School Psychologist
  • Licensed or Registered Childcare Operator (Owner of Childcare Facility)
  • Childcare Instructor (employed by a LICENSED childcare facility or LICENSED or REGISTERED home childcare provider)

Nutrition & Fitness

  • Licensed Dietician or Nutritionist
  • Licensed Nutrition Counselor
  • Registered Dietitian or Nutritionist
  • Dietetic Technician
  • Athletic Trainer
  • Massage Therapist
  • Physical Therapist/Physical Therapist Assistant

Veterinary Services

  • Veterinarian
  • Veterinarian Assistant or Technician *(employed by a permanent or mobile veterinary practice)

Military & Federal Employees

  • Active Military Personnel
  • Veterans
  • Federal Law Enforcement Agencies Include:
    • FBI
    • US Department of Homeland Security
    • US Drug Enforcement Agency
    • Bureau of Alcohol, Tobacco, and Firearms
    • US Immigration and Customs Enforcement

Legal Practices

  • Assistant Public Defender
  • Assistant State Attorney

Medical Professionals

  • Registered Nurse (RN)
  • Licensed Practical Nurse (LPN)
  • Advanced Practice Registered Nurse (APRN)
  • Certified Registered Nurse Anesthetist
  • Clinical Nurse Specialist
  • Certified Nurse Midwife
  • Certified Nursing Assistant (CAN)
  • Home Health Aide (employed by a LICENSED home health agency)
  • Nursing Home Administrator
  • Assistant Living Facility Administrator
  • Health Care Practitioner to include:
    • Physician
    • Physician Assistant
    • Anesthesiologist
  • Osteopathic Physician
  • Anesthesiologist Assistant
  • Certified Medical Assistant
  • Pharmacist
  • Nuclear Pharmacist
  • Pharmacy Technician
  • Dentist/Dental Hygienist/Dental Assistant
  • Optician
  • Certified Optometrist

Specialists

  • Acupuncturist
  • Chiropractic Physician
  • Certified Chiropractic Physician’s Assistant
  • Podiatrict Physician
  • Certified Podiatric X-Ray Assistant
  • Naturopathic Physician
  • Electrologist
  • Speech Language Pathologist or Audiologist (Including Assistants)
  • Occupational therapist or Occupational Therapist Assistant/Aide
  • Certified Respiratory Therapist
  • Registered Respiratory Therapist
  • Genetic Counselor
  • Prosthetist
  • Orthotist
  • Prosthetist Orthotist
  • Pedorthist
  • Prosthetist
  • Orthotic Fitter/Orthotic Fitter Assistant
  • Hearing Aid Specialist (Including Trainee)
  • Psychiatrist
  • Psychologist
  • Clinical Social Worker
  • Marriage & Family Therapist
  • Mental Health Counselor
  • Child Protective Services; Enforcement/Adult Protective Services; Enforcement

Laboratory Services

  • Clinical Laboratory personnel to include:
    • Laboratory Director
    • Supervisor
    • Technologist
    • Blood-Gas Analyst
    • Laboratory Testing Technician
  • Phlebotomist (employed as a full-time phlebotomist and has successfully completed and accredited phlebotomy course)
  • Licensed Medical Physicist (Radiologic, which works with diagnostic application and safe use of x-rays, ultrasonic radiation or magnetic fields)
  • Certified Basic X-Ray Machine Operator
  • Certified Radiologic Technologist
  • Certified Radiology Assistant
  • Certified General Radiographer
  • Specialty Technologist (Radiologic)
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