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Hometown Heroes Program - Making Homeownership Dreams Come True!

As of July 1st, 2023, the Hometown Heroes Program in Florida, administered by the Florida Housing Finance Corporation, offers significant benefits to eligible individuals in specific occupations. The program recognizes the invaluable contributions made by hometown heroes and aims to assist them in achieving their dream of homeownership. Eligible occupations for the Hometown Heroes Program include a wide range of professions, including but not limited to healthcare providers, first responders, educators, and those pursuing hometown pharmacy careers. The program offers favorable terms, such as a first mortgage loan amount that helps hometown heroes secure affordable financing options. Through the Mortgage Loan Live Local Act, the Hometown Heroes Program supports these eligible occupations and enables them to establish strong roots within their communities by becoming homeowners.  Income limits are based on the county the property is purchase and the maximum loan amount

Program Benefits:

  • Affordable Financing: The program offers favorable terms, including a first mortgage loan amount to secure affordable financing options for your new home.

  • Strong Community Roots: The Mortgage Loan Live Local Act supports eligible occupations and empowers you to establish strong roots within your community by becoming a homeowner.

Eligibility Criteria:

  1. Employment Requirements: Work a minimum of 35 hours per week or more at a Florida-based company. Your employer must have a brick and mortar location in Florida.

  2. First-Time Homebuyer Status: You must be a first-time homebuyer, meaning you have not owned or been on the title to a primary residence in the past 3 years. (Exemption: Active military personnel & honorably discharged veterans)

  3. Credit Score: Have a credit score of 640 or higher.

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