Ana Maria Torrado | NMLS 392190
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Receive up to $35K to buy a home in Florida with the Hometown Heroes Program
With the Hometown Heroes Program, eligible full-time Florida employees can get up to $35,000 in down payment assistance, making homeownership more affordable.*
What is the Hometown Heroes Program?
The Florida Hometown Heroes Housing Program makes homeownership affordable for eligible frontline community workers by providing down payment and closing cost assistance to income-qualified homebuyers so they can purchase a primary residence in the community where they work and serve.
Florida Housing estimates that the funding will only last up to 2-3 months after the program updates take effect on August 18, 2025. If you want to take advantage of this first-of-its-kind program, don’t wait – reserve your funds now!
How the Florida Hometown Heroes Program Works
It’s simple. Eligible homebuyers can receive down payment and closing cost assistance through a second mortgage that carries no interest and no monthly payments for the life of the loan. Repayment is only required when the home is sold, refinanced, fully paid off, or no longer used as the borrower's primary residence.
This program can be used with all standard loan types and property types across the entire State of Florida.
Loan programs available:
Conventional, FHA, VA, and USDA
Down payment & closing cost assistance is available in the form of a 0%, non-amortizing, 30-yr deferred second mortgage
Single family homes, Townhomes, Condos, Villas, 2-4 units are permitted
Available for eligible Florida-based workers who have not owned a primary residence in the past 3 years
Who Qualifies for Florida Hometown Heroes?
Healthcare
Education
Courts
First Responders
Public Safety
Child Care
Active Duty Military
Miltary Vetran
Employment
At least one borrower must be employed full-time (35+ hours per week) by a Florida-based employer and work in Florida.
Minimum Credit Score
A minimum credit score of 640 is required to qualify for the program (680 is necessary to meet eligibility standards for manufactured housing)
First-time Homebuyer
Borrower(s) must be considered first-time homebuyers, meaning they have not owned a home in the past three years.
Income and Loan Limits
Qualifying buyer must be within the county income limits and the property must meet loan limits for your county.
Veteran Exemption
Veterans do not need to meet the specific occupation requirement. Veterans who work full-time qualify regardless of occupation.
Co-Signers
Co-signers are permitted. However, the total combined income must not exceed the county-specific income limit set by the program.
Income Limits by County
County
Palm Beach
Broward
St. Lucie / Martin
Miami-Dade
Orange/Osceola
Hillsborough/Pinellas
Annual Income
$175,350
$172,950
$142,950
$185,850
$158,100
$156,450
How to apply for the Hometown Heroes Program
STEP 1
STEP 3
Call (728) 218-8379
8 a.m. – 8 p.m. ET
7 days a week
Complete a 10-minute application by phone and our team will help you gather all necessary documents.
Once reviewed, our team will schedule a phone consultation to go over all your loan option details, and qualification status.
Find your perfect home and get under contract before the program ends!
STEP 2
STEP 4
Want to know if you’re eligible?
Standard Mortgage Capital LLC
dBA Rize Mortgage | #1604663
CONTACT US
53 NW 100th Ave, Plantation FL 33324
Branch NMLS: 1604663
Phone: (728) 218-8379
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