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Florida Hometown Heroes Loan Program

Justin Kelly
May 19, 2025

If you’re employed full-time in Florida and dreaming of homeownership, the Florida Hometown Heroes Loan Program could be the boost you need. This program offers up to $35,000 in down payment and closing cost assistance—helping Floridians overcome one of the biggest obstacles to buying a home. At CPF Mortgage, we specialize in helping homebuyers navigate this opportunity and turn it into real results.

What Is the Hometown Heroes Loan Program?

The Florida Hometown Heroes Loan Program, managed by Florida Housing Finance Corporation, is designed to assist first-time homebuyers with financial support. While originally created for frontline workers, it is now available to all full-time employed Florida residents who meet basic eligibility requirements.

Program Benefits

  • Up to $35,000 in assistance
  • 0% interest deferred second mortgage
  • Flexible use with FHA, VA, USDA, and Conventional loans

Eligibility Requirements

To qualify, borrowers must:

  • Be a first-time homebuyer (not having owned a primary residence in the last three years)
  • Be employed full-time (35+ hours/week) by a Florida-based employer
  • Have a minimum credit score of 640
  • Use the home as their primary residence
  • Fall within county-specific income limits
  • Complete a HUD-approved homebuyer education course

Eligible Property Types

  • Single-family homes
  • Townhomes
  • Condominiums
  • Manufactured homes (1994 or newer)
  • 2–4 unit homes (as long as you live in one)

How CPF Mortgage Can Help

At CPF Mortgage, we don’t just help you find a mortgage—we help you build a plan. Our experienced team walks you through every step of the Hometown Heroes Loan Program, ensuring a fast, transparent, and easy process from pre-approval to closing.

We offer:
- The lowest rates and closing costs in Florida
- Fast pre-approvals
- Personalized guidance
- Expert program support

Apply Online: https://cpfloans.com/apply/
Call Us: (727) 226-1040
Contact Us: https://www.cpfloans.com/contact

Additional Resources

Legal Disclaimer CPF Mortgage is a licensed mortgage broker in Florida, Georgia, Tennessee, and Colorado. All mortgage programs are subject to underwriting approval, credit qualifications, property eligibility, and availability. The Florida Hometown Heroes Loan Program is administered by Florida Housing Finance Corporation and is subject to change without notice.

NMLS ID #222883. Licensed by the Florida Office of Financial Regulation, Georgia Department of Banking and Finance, Tennessee Department of Financial Institutions, and Colorado Division of Real Estate.

CPF Mortgage is not affiliated with or endorsed by Florida Housing, HUD, or any government entity. This is not a commitment to lend. Information provided is for general education purposes only and should not be construed as legal or financial advice

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State of Florida, Colorado, Georgia and Tennessee.
NMLS #222883
Christopher Paul Financial, LLC dba CPF Mortgage is a Florida mortgage lender NMLS 222883, Florida state license MLD929, Colorado registered mortgage company NMLS 222883, licensed Tennessee mortgage lender NMLS 222883, and Georgia Residential Mortgage Licensee NMLS 222883. The main office is located at 10710 State Road 54, Ste. C101, Trinity, FL 34655. All loan approvals are credit driven, and all decisions are based on underwriting credit approvals. All rates, terms, and programs are subject to change without notice. Borrowers should consider their options carefully when choosing a loan program.
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