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Hometown Heroes housing program

affordable options for Florida workers

Thanks to the Florida Hometown Heroes Housing Program, homeownership opportunities are easier for first-time home buyers.
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at a glance 

Choosing the Right Mortgage

This popular program offers down payment and closing cost assistance to eligible full-time Florida workers. Let us help you evaluate your eligibility and find out if you qualify for this limited-time program.

Homeownership Assistance

Receive up to 5.00% of the first mortgage loan amount (max $35,000) in down payment and closing cost assistance.1

supports Florida workers

Provides homeownership opportunities to eligible full-time workers employed by Florida-based employers.

Loan Options

Offers lower than market rates on a variety of home loans, including 30- and 15-year fixed-rate mortgages.
First Steps

How to Get Started

Getting started on a mortgage is simple when you know the key steps to take, from exploring your options to submitting your application.
Fast App

Get Pre-qualified

Take the guesswork out of your home search. By knowing how much you can afford, you can find the perfect home that fits your budget and be one step closer to moving in. Start your application now and we'll be happy to walk you through the next steps.
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Mortgage specialists

Find Your Perfect Mortgage with Expert Help

Not sure which mortgage loan is right for you? Our Mortgage Specialists are here to guide you every step of the way. Contact a local expert to get personalized advice and find the loan that fits your needs. Locate a Mortgage Specialist or call (863) 688-8443 or toll free (855) 915-4663.
Mortgage Specialists
Couple meeting with MIDFLORIDA Mortgage Specialist. They are sitting at desk with documents and a digital tablet presentation.
Number one

Let's Chat

Answer a few simple questions and we will connect you with a mortgage expert to help find the perfect product for your needs.
Number two

Processing Your Application

Once we've matched you with the right product, we will guide you through every step, helping you gather the necessary documentation to process your application.
Number three

Approval & Funding

When you find your dream home, our team will guide you through the mortgage closing process, ensuring all final steps are completed smoothly.
calculator

Calculate How Much You Can Afford

Use the calculator below to calculate how much home you can afford. 
More Loan Types

Explore Other Mortgage Options

Consider these additional mortgage loan options that might be a better fit for your financial situation.

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First-time Homebuyer

A fixed-rate mortgage with down payment options as low as 3% of the purchase price, making it easier to buy the home you want.
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FHA / VA / USDA

Government-insured home loans with more flexible lending standards and lower down payment requirements.
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Adjustable-Rate Mortgage

An adjustable-rate mortgage saves borrowers money upfront with lower interest rates and a lower payment for an initial period, and adjusts after that.
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First-time homebuyer

Curious about the home-buying process? Discover what to expect from your real estate agent, mortgage loan officer, and your own role.
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Planning for Homeownership

Start planning for your future home today with tips and advice on where to start from our mortgage experts.
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Mortgage Checklist

Make sure you're fully prepared. Check out our complete list of the documents and information you'll need to gather for a smooth mortgage loan process.
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How to get a loan

Ready to secure your mortgage? Learn all about the loan process from application to funding in our step-by-step guide.
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1. Limited time offer which may be canceled at any time without notice. Membership required. Eligibility requirements apply. Subject to credit review and approval. Primary homes only. 1. Payment Example valid as of October 02, 2024: A 30-year FHA purchase loan for $185,250 with 3.5% down at 6.750% and an Annual Percentage Rate (APR) of 7.096% has a monthly payment of $1,232.41, which includes principal and interest. Payment example does not include taxes, insurance premiums, or mortgage insurance premiums; actual payment will be greater. Actual rate may vary based on credit history, loan to value and underwriting guidelines. Other conditions apply. Ask your mortgage loan officer for details. Equal Housing Opportunity. NMLS# 417627

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