Florida's Hometown Heroes Program

Get up to $35,000 in down payment assistance before funds run out.  Act now!

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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:​

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.
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Borrowers can receive up to 5% of the first mortgage loan amount

(maximum of $35,000) 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.
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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 – 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.