Let Red Door Realty Group Help You Secure Hometown Heroes Assistance
Want to find out if you’re eligible for the Florida Hometown Heroes Program 2025?
Our team is ready to guide you—for free and with no risk.
Simply fill out our online form or call us today at (904) 574-4263.
Let’s get started on making your dream of homeownership a reality.
Why Choose Red Door Realty Group?
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- On-the-ground Expertise: We’re deeply versed in Florida Housing programs like Hometown Heroes. We’ll keep you informed about income limits, eligible occupations, loan caps, and current availability.
- Strong Lender Relationships: We work with trusted, approved lenders who understand the nuances of Hometown Heroes—ensuring your application has the best chance of approval.
- Local, Tailored Support: Proudly Jacksonville-based, we specialize in helping community heroes find homes that meet program guidelines—and fit your preferences.
- Streamlined Process: From verifying eligibility to submission, closing, and beyond—we simplify it all. We’re your advocate every step of the way.
- Proven Track Record: We’ve helped frontline workers—teachers, nurses, first responders—navigate down payment assistance programs with confidence and ease.
Don’t go it alone. Reach out to Red Door Realty Group today and experience clear, compassionate support from pre-approval to welcome home!
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How the Florida Hometown Heroes Program 2025 Works
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- First mortgage: Fixed-rate FHA, VA, USDA/RD, or Conventional through participating lenders—typically with reduced upfront fees and no origination or discount points.
- Assistance amount: Up to 5% of the total first-mortgage loan amount, capped at $35,000 and with a $10,000 minimum.
- Form: A 0% interest, non-amortizing, 30-year deferred second mortgage used toward down payment and/or closing costs.
- Repayment: No monthly payment. The assistance is due in full when you sell, refinance, transfer the deed, or stop occupying the home as your primary residence. It is not forgivable.
Who Qualifies?
To be eligible in 2025, you generally must:
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- Work full-time for a Florida-based employer in an approved occupation (examples include healthcare, K-12 school staff, first responders, public safety/courts, and childcare).
- Be a first-time homebuyer under IRS rules (no ownership/occupancy of a primary residence in the last three years). Veterans may qualify even if not first-time buyers.
- Meet your county’s income and purchase-price limits.
- Buy a home you will occupy as your primary residence.
How Much Assistance Could You Receive?
The second mortgage equals 5% of your total first-mortgage loan amount, with a $10,000 minimum and a $35,000 cap. Here are examples:
| Estimated First-Mortgage Loan | 5% Calculation | Actual Assistance |
|---|---|---|
| $200,000 | $10,000 | $10,000 (hits program minimum) |
| $350,000 | $17,500 | $17,500 |
| $600,000 | $30,000 | $30,000 |
| $800,000 | $40,000 | $35,000 (cap) |
Actual eligibility depends on current program rules, county limits, and your lender’s approval.
How to Apply for Florida Hometown Heroes Program 2025(Step-by-Step)
- Contact Red Door Realty Group: Your first step is to reach out to our team. We’ll confirm whether your occupation and income meet the Florida Hometown Heroes Program rules and connect you with trusted participating lenders.
- Get Pre-Approved: With our lender partners, you’ll receive a pre-approval that outlines how much assistance you may qualify for—up to $35,000.
- Find the Right Home: We’ll help you identify homes that meet the program guidelines and fit your lifestyle, including new-construction options.
- Close with Confidence: Our team works closely with your lender and the program administrators to make sure your down payment and closing cost assistance is in place when you close.
Get started today:
Fill out our online form or call (904) 574-4263.
We’ll guide you through every step of the Hometown Heroes application process.
Important: No Fee to Apply — Avoid Scams
There is no cost to apply for Hometown Heroes assistance. Avoid any person or company that asks for upfront fees to “apply” or “reserve funds.” Report suspected fraud, waste, or abuse to Florida Housing’s Office of Inspector General at (850) 488-4197 or submit a report via Florida Housing’s website.
Local Help in Northeast Florida
Our team helps teachers, nurses, first responders, court staff, and other qualifying professionals navigate Hometown Heroes every week. We can also coordinate with your lender, line up new-construction options, and time your move-in.
Request a consultation or call (904) 574-4263.
FAQs About Florida’s Hometown Heroes Program
When did the 2025 application window open?
Applications for the 2025 Hometown Heroes cycle opened on August 18, 2025, statewide through participating lenders.
Is the assistance forgivable?
No. The second mortgage is 0% and deferred, but it is not forgivable. It’s due when you sell, refinance, transfer the deed, or move out.
How is “first-time homebuyer” defined?
Under IRS rules, you generally have not owned and occupied a primary residence in the last three years. Veterans may be exempt from the first-time rule.
Can I combine Hometown Heroes with other Florida Housing down-payment programs?
No. The Hometown Heroes second mortgage is paired with the Hometown Heroes first mortgage and isn’t stackable with other Florida Housing DPAs.
Do I have to work in the same county where I’m buying?
The program focuses on workers serving Florida communities. Your lender will confirm any location-specific rules along with income and price limits for your target county.
Can I still qualify for Red Door Realty Group’s new construction buyer rebate if I qualify for the Florida Hometown Heroes Program?
Yes! If you qualify for both programs, that means even more savings on your new construction home. Red Door Realty Group can help you combine the Florida Hometown Heroes assistance with our exclusive 1% New Construction Rebate for maximum benefit.
Please fill out the form or call us (904-996-0000) and let’s get rolling toward that new home!
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