Florida Hometown Heroes Program in Polk County, FL

Pablo Llavona and Jose Aponte at FLO Mortgage help eligible homebuyers across Polk County explore the Florida Hometown Heroes Program. This state-backed initiative provides down payment and closing cost assistance to qualifying frontline workers purchasing a primary residence in Florida.

1️⃣ What Is the Florida Hometown Heroes Program?

The Florida Hometown Heroes Program is a down payment assistance initiative designed to help essential workers purchase homes in their communities. The program provides financial assistance that can be used toward:

• Down payment
• Closing costs
• Prepaid expenses

Funding availability may be limited and subject to state allocation.

2️⃣ Who May Be Eligible?

Eligibility is generally based on:

• Employment in approved frontline or essential professions
• Income limits
• Primary residence purchase
• Meeting first mortgage program requirements

Common eligible professions may include:

• Healthcare workers
• Law enforcement
• Firefighters
• Teachers
• Public service employees

Program guidelines can change, so confirming eligibility early is important.

3️⃣ How Much Assistance Is Available?

Assistance amounts vary depending on program funding and guidelines at the time of application. The assistance typically comes in the form of a second mortgage with specific repayment terms.

We review the most current program limits and availability before submitting applications.

4️⃣ Combining Hometown Heroes with FHA, VA, or Conventional Loans

The Florida Hometown Heroes Program can often be paired with:

• FHA loans
• Conventional loans
• VA loans (if applicable)

5️⃣ Work With a Local Polk County Mortgage Broker

Funding for assistance programs can move quickly. Working with a local Polk County mortgage broker ensures:

• Fast pre-approval
• Clear guidance on documentation
• Timely submission before funds are depleted
• Up-to-date knowledge of program changes

If you are a frontline worker in Polk County and want to explore whether the Florida Hometown Heroes Program fits your situation, contact Pablo Llavona or Jose Aponte today.

📞 407-694-7191

Contact Info

Address:

41040 US Highway 27 Suite 1

Davenport, FL 33837

Call: (407) 605 3111

Email: [email protected]

NMLS: 194920 Corp NMLS: 1835856

With over 30 years combined experience in the mortgage and real estate industries

The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.Applicants should not assume that any debt will be eliminated by refinancing or paying on balances since the debts are consolidated into a new loan. Reduction in payments may reflect longer loan terms and your total finance charges may be higher over the life of the loan. The actual amount of savings may vary.These products may have a higher interest rate, more points or more fees than other products requiring documentation

FLO Mortgage is not affiliated with an agency of the federal government, HUD or FHA. THIS IS NOT A GOVERNMENT DOCUMENT. HUD OR FHA did not distribute or approve this material.

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