Hometown Hero
5% of Loan Amount (Max $25,000) for Closing Costs & Down Payment
• The second mortgage will be 5% of the first mortgage loan amount, not to exceed $25,000.
• The second mortgage will be deferred for 30 years with no monthly payments and no interest due.
• It is not a forgivable loan and must be paid in full upon sale of the home.
• The borrower is required to be a first-time homebuyer.
• At least one borrower is required to be employed in a Hometown Hero occupation.
(at least 35 hours per week or full time)
• Income Limits $123,150/year
• Property Types: Single Family Home, Condo on FNMA approved list, some Manufactured Homes
• This program is available for FHA, VA, and Conventional mortgage loans.
• More info available here: https://www.floridahousing.org/programs/homebuyer-overview-page/hometown-heroes
Eligible Occupations:
911 Public Safety Communicator
Active-Duty Military Personnel
Acupuncturist
Adult Protective Services’ Enforcement (DCF)
Advanced Practice Registered Nurse (APRN)
Anesthesiologist
Anesthesiologist Assistant
Assistant Public Defender
Assistant State Attorney
Assisted Living Facility (ALF) Administrator
Athletic Trainer
Basic X-Ray Machine Operator (Radiologic)
Blood Gas Analyst (Laboratory)
Career Specialist (Educator)
Child Protective Services’ Enforcement (DCF)
Childcare Instructor
Childcare Operator
Chiropractic Physician
Chiropractic Physician’s Assistant
Classroom Teacher (K-12 Only)
Clinical Nurse Specialist
Clinical Social Worker
CMA
CNA
Correction Officer
Correctional Probation Officer
Dental Assistant
Dental Hygienist
Dentist
Dietetic Technician
Dietician
Electrologist
Emergency Medical Technician (EMT)
Federal Sworn Law Enforcement
Firefighter
General Radiographer (Radiologic)
Genetic Counselor
Hearing Aid Specialist
Hearing Aid Specialist Trainee
Home Health Aide
Juvenile Detention Officer
Juvenile Probation Officer
Laboratory Director
Laboratory Supervisor
Laboratory Technologist
Laboratory Testing Technician
Librarian/Media Specialist (Educator)
Marriage & Family Therapist
Massage Therapist
Medical Assistant
Medical Physicist
Mental Health Counselor
Naturopathic Physician
Nuclear Pharmacist
Nurse Anesthetist
Nurse Midwife
Nursing Assistant (CNA)
Nursing Home Administrator
Nutrition Counselor
Nutritionist
Occupational Therapist
Occupational Therapist Aide
Occupational Therapist Assistant
Optician
Optometrist
Orthotic Fitter
Orthotic Fitter Assistant.
Orthotist
Osteopathic Physician
Paramedic
Pedorthist
Pharmacist
Pharmacy Technician
Phlebotomist
Physical Therapist
Physical Therapist Assistant
Physician
Physician Assistant
Podiatric Physician
Podiatric X-Ray Assistant
Practical Nurse (LPN)
Prosthetist
Prosthetist Orthotist
Psychiatrist
Psychologist
Radiologic Specialty Technologist
Radiologic Technologist
Radiology Assistant
Registered Dietician Or Nutritionist
Registered Nurse (RN)
Registered Nurse Anesthetist
Registered Respiratory Therapist
Respiratory Care Practitioner
Respiratory Therapist
School Counselor
School Psychologist
Social Worker
Specialty Technologist (Radiologic)
Speech Language Audiologist
Speech Language Audiologist Assistant
Speech Language Pathologist
Speech Language Pathology Assistant
Sworn Law Enforcement Officer
Veteran or Surviving Spouse of Veteran
Veterinarian
Veterinarian Assistant
Veterinarian Technician