Florida's Hometown Heroes Program
Get up to $35,000 in down payment assistance before funds run out. Act now!
Lawn & Order 9/03/2026We had an amazing experience as Jorge and his team guided us through the entire process. It was the smoothest home purchase weâve had and we are grateful how Florida Home Loans treated us. 1st classread moreread less
Mary Hardrick 7/22/2026The team at Florida Home Loans was wonderful. They professionally guided us through the entire process with constant communication and support. Everyone we worked with was accessible and available to ensure we met the deadline. We highly recommend Florida Home Loans and look forward to working with them again in the future.read moreread less
Alyssia Rae 7/16/2026We truly could not have asked for a better team than Adam, Adrian, and Eric with Florida Home Loans to guide Jon and me through the mortgage process and help us become homeowners. From the very beginning until the day we closed, they were there for us every step of the wayâanswering our questions, explaining everything clearly, keeping us updated, and making sure the entire process moved as smoothly as possible.
Buying a home can feel overwhelming, but they made us feel supported, informed, and confident throughout the entire journey. They worked incredibly hard behind the scenes and always made us feel like more than just clients. We knew they genuinely cared about us, our family, and helping us reach this huge milestone.
What made the experience even more meaningful is that Adam, Adrian, and Eric are also personal friends of mine. Having people we know and trust beside us during one of the biggest moments of our lives made it that much more special. Their dedication, patience, professionalism, and friendship meant more to us than they probably realize.
Jon and I are beyond grateful for everything they did to help make our dream of homeownership a reality. I would wholeheartedly recommend Adam, Adrian, Eric, and the entire team at Florida Home Loans to anyone looking for a mortgage team that truly cares and will support you from beginning to end. Thank you all for being such an important part of this exciting new chapter in our lives!read moreread less
Adam Kofsky 7/09/2026Eric and Jorge and their team are simply the best! This is a mortgage company Iâd refer my friends and family to!read moreread less
Jarred Hinkle 6/10/2026Daniel was excellent through the whole process. When there were challenges, he worked through them with experience and communication. He spoke with confidence, and helped me understand exactly what what going on each step of the way.read moreread less
marylin camacho 6/02/2026I had an amazing experience working with Daniel Santiago throughout my home-buying journey. As a first-time homebuyer using a VA loan, I had a lot of questions and there were many moving parts, but Daniel was patient, knowledgeable, and always available when I needed guidance. He took the time to explain everything clearly, kept me informed throughout the process, and made what could have been a very stressful experience feel manageable.
Thanks to Daniel Santiago and his team, I was able to successfully purchase my first home. I truly appreciate all of his hard work, professionalism, and dedication. I would highly recommend Daniel Santiago to anyone looking for a mortgage lender who genuinely cares about his clients and goes above and beyond to help them achieve their goals.read moreread less
Leandro Vichiato 5/22/2026My experience with them was extremely smooth, and I felt very well supported throughout the entire process by true specialists. Their customer service is incredibly fast, and having direct contact with the owners makes a huge difference.
They were patient and willing to revisit discussions multiple times until we found the best deal possible. I also learned a lot from them along the way, which made the experience even more valuable.
I highly recommend them and will definitely work with them again in future business opportunities.read moreread less
yan carter 3/13/2026Buying my first home in the United States was a huge milestone for me, and I couldnât have asked for a better team than Florida Home Loans LLC to guide me through the process.
From the very beginning, Daniel and the entire team were incredibly professional, responsive, and supportive. The whole process was smooth and easy, and they made sure everything moved forward efficiently without stress.
Daniel was especially great to work with. He helped negotiate what I truly believe was one of the best rates on the market and made sure I fully understood every step along the way. His communication, patience, and dedication made a big difference throughout the entire journey.
I highly recommend Florida Home Loans to anyone looking for a trustworthy and professional mortgage lender. Thank you again for helping make this dream possible! đĄread moreread less
A Google User 2/23/2026Working with Florida Home Loans was truly an exceptional experience. From start to finish, their team was professional, knowledgeable, and incredibly supportive throughout the entire process.
They were outstanding communicators, always quick to respond, proactive with updates, and clear in explaining every step along the way. I never once felt left in the dark or unsure about what was happening. They stayed on top of every detail and made what can be a stressful process feel smooth and manageable.
What really sets them apart is how they make you feel. Youâre not treated like just another file or transaction, they genuinely make you feel like family. Itâs clear they care about their clients and take pride in helping you reach such an important milestone.
I couldnât recommend Florida Home Loans more highly. If youâre looking for a team that is attentive, organized, and truly invested in you, they are the ones to call.read moreread less
Gabrielle 2/23/2026Working with Florida Home Loans was truly an exceptional experience. From start to finish, their team was professional, knowledgeable, and incredibly supportive throughout the entire process.
They were outstanding communicators, always quick to respond, proactive with updates, and clear in explaining every step along the way. I never once felt left in the dark or unsure about what was happening. They stayed on top of every detail and made what can be a stressful process feel smooth and manageable.
What really sets them apart is how they make you feel. Youâre not treated like just another file or transaction, they genuinely make you feel like family. Itâs clear they care about their clients and take pride in helping you reach such an important milestone.
I couldnât recommend Florida Home Loans more highly. If youâre looking for a team that is attentive, organized, and truly invested in you, they are the ones to call.read moreread less
Oscar Marin 2/13/2026FL Home Loans absolutely set the new gold standard for my loan which closed yesterday. It was so complex with nuances, I was skeptical of even asking such pointed questions, everyone- Eric, Jorge,Chad, Leanna were incredibly knowledgeable about every aspect of my loan, and from viewing to closing was less than 30 days. I have never had such a smooth experience and this purchase was by far the most complex Ive had and my first time using my VA benefits.
FL home loans has won my loyalty and i enthusiastically recommend their team to anyone I encounter beginning this process.
They will exceed all expectations, look no further than FL Home Loans.read moreread less
Garrett Sanford 2/05/2026Jorge and his team were incredibly communicative and professional. Finance deals can be complicated and certain elements can take longer than others, but I never felt out of the loop. They meticulously communicated what each step was and its purpose as well as where we were and how to move forward. There were a couple snags on my end that they adeptly navigated in a smooth and timely fashion and kept me assured throughout. I was very impressed with the whole process and will definitely use them again when I get the opportunity.read moreread less
Welcome to Florida Home Loans:
Your Gateway to Buying your First Home!
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 interest rate and additional special benefits to those who have served and continue to serve their country.
Hometown Heroes Program Details:â
Eligible full-time workforce, employed by a Florida-based employer
Borrowers can receive up to 5% of the first mortgage loan amount
Down payment and closing cost assistance is available in the form of a 0%, non-amortizing, 30-year deferred second mortgage.
Don’t let the fear of the unknown hold you back from achieving your homeownership goals. Take the first step towards securing your future by filling out our pre-approval survey now. Our team of experts is standing by, ready to help you navigate the path to homeownership with confidence. At Florida Home Loans, we’re not just here to provide mortgages â we’re here to empower your dreams.
Unlock the door to your future with Florida Home Loans. Get pre-approved today!
Partner with Florida Home Loans:
At Florida Home Loans, we pride ourselves on our commitment to providing personalized solutions tailored to your unique needs. With our extensive experience in the mortgage industry and our deep understanding of conventional home loans, we are dedicated to guiding you every step of the way.
Our team of knowledgeable loan officers will assist you in selecting the right loan program, answering your questions, and ensuring a smooth and efficient loan process. We understand the importance of transparent communication and timely updates, so you’ll always be informed and empowered to make informed decisions.
Contact us today or fill out the “60 Second Survey” to schedule a consultation and take the first step toward securing a conventional home loan that suits your needs. Florida Home Loans is here to help you turn your homeownership dreams into reality.


