• 5401 W. Kennedy Blvd, Suite 100, Tampa, FL 33609

Hometown Heroes Housing Program

We help frontline workers afford thier FIRST home!

  • Law Enforcement Officers
  • Firefighters
  • Active Military & Veterans
  • Educators
  • Childcare Professionals
  • Healthcare Professionals
Hometown Heroes Housing Program​

Hometown Heroes Housing Program Starts With Us!

The Florida Hometown Heroes Housing Program was announced on June 1, 2022, by Florida Governor Ron DeSantis. The announcement came on the first day of National Homeownership Month, which helps recognize and celebrate the value of owning a home and the positive impact homeownership can have on a community. This program aims to make housing affordable for essential workers in Orlando by providing up to 25K in down payment and closing costs assistance to eligible workers and educators.

We help you obtain financing for one of the biggest moments in your life. 

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Hometown Heroes Housing Program​

Why this program works

The program provides frontline workers with down payment and closing costs assistance and lower mortgage interest rates

  • Eligible frontline workers can receive lower than market rates on an FHA, VA, RD, Fannie Mae, or Freddie Mac first mortgage, reduced upfront fees, no origination points or discount points, and down payment and closing cost assistance.
  • Borrowers can receive up to 5% of the first mortgage loan amount (maximum of $25,000) in down payment and closing cost assistance.
  • 0% Down Payment This second mortgage becomes due and payable, in total, upon sale of the property, refinancing of the first mortgage, transfer of deed, or if the homeowner no longer occupies the property as their primary residence. The Florida Hometown Heroes loan is not forgivable.

What do I need to succeed at getting approved?

To qualify for the Florida Hometown Heroes Housing Program, some conditions must be met, including a minimum credit score of 640. In addition, the borrower must make less than 150% of their area’s median income and be a first-time homebuyer.

Frontline workers are essential to the overall success of our country, and over the past few years, dealing with the COVID-19 pandemic, they have shown they are the backbone of our communities. Unfortunately, as the cost-of-living increases, more of these essential workers cannot buy homes. The Hometown Hero Housing Program is available to workers and educators employed full-time as:

  • Law enforcement officers
  • Certified correctional officers
  • Probation officers
  • 911 operators
  • Firefighters
  • Paramedics
  • Emergency medical technicians
  • Teachers
  • Education administrators
  • Health care professionals
Hometown Heroes Housing Program​

What Our Clients Say

Jeff Firmin
Jeff Firmin
Ernesto and his team went above and beyond in helping us purchase our home in Epperson Ranch! Highly recommend!!
robyn wrobel
robyn wrobel
What a smooth process Ernesto made for me during my purchase of my home. I would definitely have him help me with my next purchase. He is attentive and prompt… definite pleasure to work with.
charles True
charles True
Ernesto and his team are top notch. It was a smooth process from start to finish and as a first time home buyer they did a great job and helped me make smart and confident purchasing decisions. Thanks for everything!
Tonya True
Tonya True
I received the best rate ever! Best company to work with for home mortgages.
Sunny Moroz
Sunny Moroz
Ernesto and Lisa have always been helpful and looked out for my interest regardless of the outcome, truly good customer service!

What You’ll Get With A Mortgage Loan

  • Mortgage loans may have no restrictions on how you use the money
  • Mortgage loans are easily approved since they are secured loans
  • You get flexible repayment terms
  • The interest you pay on a mortgage loan is much lower than that of a personal loan
  • A mortgage loan can be customized to suit your requirements
  • You continue to remain the legal owner of your property while you use the funds from the loan to fulfil your needs.

#1 in Tampa Bay Area for Customer Satisfaction in Mortgage & Refinance 

Mortgage Calculator

Use our mortgage calculator and get an idea of what your monthly payment could look like. Enter different home prices and down payment amounts to see how your monthly payment changes. Visit our learning hub to today to gain more mortgage knowledge.

Top Questions People Ask Us

For a fully online closing, you can expect to meet remotely using a video conferencing app like Skype, Zoom, Google Meet, etc. Any payments that must be processed for closing will likely be done via electronic transfer and mortgage documents will have to be signed electronically.


The Home Loan Expert offers several low down payment options.

For conventional loans, we offer options with down payments as low as 3%

For FHA loans, we offer options with down payments as low as 3.5%

And for Hero Loan (VA loans), USDA loans, and our down payment assistance programs, we offer options with zero down (0%) payments for eligible borrowers

You can get approved with a credit score as low as 589, as long as you meet our other eligibility criteria. 
Soft pull credit checks will not affect your score, however a hard pull will be needed to process the loan. 

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