NMLS 2275047

Unlocking Homeownership in Florida: Affordable Solutions for Local Workers

Periodically, we like to take a look at each of our Choice Mortgage loan product offerings and dive deeper into their features, requirements, and benefits. You can find all of our Loan Products under the Resources tab of our website here. Today we’ll look at Florida’s Hometown Heroes Program. 

The Hometown Heroes Program was implemented in 2023 by Governor Ron DeSantis to help Florida frontline workers afford the cost of buying a home. The program is available for members of over 100 lines of work including law enforcement officers, first responders, veterans, nurses, and other hometown heroes.

The program is making the dream of homeownership affordable for members of the community workforce by providing down payment and closing cost assistance to first-time, income-qualified individuals so they are able to purchase a primary residence in the community in which they work and serve. 


  • Those who earn less than 150% of their county’s area median income (AMI) can qualify
  • Closing cost and down payment assistance – borrowers can receive up to 5% of their first mortgage loan amount (up to $35,000) in down payment and closing cost assistance*
  • Receive lower than market interest rates on an FHA, VA, RD, Fannie Mae or Freddie Mac first mortgage
  • Reduced upfront fees
  • No origination points
  • Minimum FICO score of 640 to qualify

*Down payment and closing cost assistance is available in the form of a 0*, non-amortizing, 30-year deferred second mortgage. As part of the agreement, this second mortgage becomes due and payable in full upon the refinancing of the first mortgage, sale of the property, transfer of deed, or if the homeowner no longer occupies the property as a primary residence. Florida Hometown Heroes loans are not forgivable.

We know it’s overwhelming when combing through all the different mortgage loan options, and it’s crucial to find the best financing solution for your unique circumstances. Whether you opt to look into a Hometown Heroes loan, or one of our many other offerings, we can help you explore all of your options further to find the one that best suits your needs. 

At Choice Mortgage Group, we’re here to help you navigate all of your choices and take the next steps toward homeownership. Contact us today to start your journey to finding your dream home.

For more information about Choice Mortgage Group, visit www.choicemortgage.com.

Choice Mortgage Group

2424 N Federal Hwy, Suite 100, Boca Raton, FL 33431

(561) 395-6900


Corporate Office

2424 N Federal Hwy, Suite 100
Boca Raton, FL 33431
(561) 395-6900
(888) 216-6476

NMLS 2275047


Official Mortgage Lender of Florida Atlantic Athletics



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2424 N Federal Hwy, Suite 100 Boca Raton, FL  33431 | Phone: (561) 395-6900 Toll-Free: (888) 216-6476
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