Stephen and Derick unpack Florida’s Hometown Heroes Program and why it’s a powerful path for first-time buyers in essential roles. They cover how the assistance works (up to 5% of the first mortgage, capped at $35,000) as a 0% interest, deferred second mortgage; who qualifies (full-time Florida workers, first-time buyer status with exceptions for vets, 640+ credit, income limits, primary residence); and how to reserve funds with an approved lender. You’ll hear a real-world scenario showing how the program can cover down payment and closing costs, plus clear pros/cons and action steps to move quickly while funding remains.
