The Florida Hometown Heroes Housing (HTH) Program makes homeownership affordable for eligible workforce occupations. 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.
Borrowers can receive up to 5% of the total first mortgage loan amount (maximum of $35,000) in funds towards 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.
This program is specifically designed to support individuals working in essential roles like teachers, healthcare workers, law enforcement officers, and others who are critical to their communities. The goal is to make housing more accessible for these heroes who often struggle with high housing costs.
Emily is a nurse in a busy urban hospital. After years of renting, she decided to buy a home. Through the HTH Program, she secured $20,000 for her down payment. This allowed her to purchase a cozy two-bedroom house close to work. Without this program, she would have had to continue renting.
Have questions about your eligibility? Reach out anytime!
Mike is a teacher who wanted to provide stability for his family. He found a great home but needed help with the upfront costs. The HTH Program offered him assistance that covered most of his closing costs. Now he enjoys living just minutes away from his school.
Don't hesitate to ask for help navigating this process!
Sarah was previously homeless and now works as a social worker. With support from the HTH Program, she received funds that made it possible for her to buy a small apartment. This opportunity gave her not just a roof over her head but also hope for the future.
If you want to discuss how this program can benefit you, let’s chat!
To qualify, you need to be an essential worker in fields such as healthcare, education, or law enforcement, among others. Income limits apply based on family size and location.
You can receive up to 5% of your mortgage amount, with specific minimums and maximums set by the program guidelines.
No, the assistance is provided as a deferred second mortgage that must be repaid under certain conditions.
Single-family homes, townhouses, and condominiums are generally eligible if they will serve as your primary residence.
You can start by contacting an approved lender who participates in the HTH Program or visiting your local housing authority's website for more details.
ALBANIA RODRIGUEZ is committed to helping individuals navigate these housing options. If you need further information or assistance regarding the Florida Hometown Heroes Housing Program or any other housing inquiries, feel free to reach out at 17862023030.
I am committed to guiding my clients with transparency, professionalism, and peace of mind through every step of the process, whether they are buying, selling, or investing in real estate.
As both a real estate agent and mortgage loan originator, I combine expertise in real estate and financing to help my clients make informed decisions, navigate the process with confidence, and identify the best opportunities to achieve their real estate goals.
With a background in marketing and business development, I also understand the importance of strategic positioning, negotiation, and market visibility, allowing me to provide a well-rounded approach tailored to each client’s unique needs and goals.
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