A firefighter-owned mortgage brokerage in Boca Raton, serving Florida EMTs and paramedics across every metro in the state. Florida Hometown Heroes specialists. $0 lender fees for first responders. The income-structuring expertise national lenders skip on EMT or paramedic files.
Florida runs the country's most generous first-responder down payment assistance program (Hometown Heroes — up to $35,000). It also runs a salaried-vs-variable income trap that catches most EMT or paramedic applications because national lenders don't know how to read a Florida EMT or paramedic paystub. We do.
⚠️ Funding can open, close, or waitlist quickly. We verify current reservation availability on every file before quoting.
This page is for Florida EMTs and paramedics specifically — buying or refinancing anywhere in the state.
Up to 5% of the first mortgage amount, minimum $10,000, maximum $35,000 toward down payment and closing costs. Forgivable second-mortgage structure. Active and volunteer Florida professionals — firefighters, police, EMTs, healthcare workers, teachers, military — all qualify. Income and purchase-price limits vary by county.
Up to $10,000 in down payment assistance for first-time Florida buyers. Stacks with FHA, VA, USDA, or Conventional first mortgages. Stacks with Hometown Heroes for some files.
Additional second-mortgage assistance available through Florida Housing Finance Corporation.
Florida Housing PLUS program — additional layered DPA for eligible buyers.
Zero down, no PMI, reduced funding fee for disability-rated veterans. For EMTs and paramedics who served before joining their current field, we structure dual-eligible files that often clear closing with $0 out of pocket.
HUD federal program — 50% off the list price on HUD-owned properties in designated revitalization areas. Florida EMTs & Paramedics qualify (program also covers police, EMTs, paramedics, and K-12 teachers). 36-month occupancy commitment. Pairs with FHA financing.
For files that don't fit a DPA program — 3.5% down FHA, 3-5% down conventional, or non-QM bank-statement loans for EMTs and paramedics with 1099 side income. Every Florida station has one.
EMS work is built on irregular shifts and mandatory OT. A 24-month trailing average — not just base salary — is what counts. Most national lenders skip the mandatory OT entirely.
Paramedic certification, critical care, flight medic, instructor, FTO — each one adds to base pay. We attach the certification matrix to the file so underwriting reads it correctly.
Many EMTs and paramedics work at a primary agency PLUS a hospital ER, a private transport service, or a per-diem ambulance contract. Each W-2 counts. We structure the file to show stable total income across all sources.
Per-diem and PRN ambulance shifts count as qualifying income with a 24-month history and continuity letter from the employer. National lenders sometimes treat this as 'temporary' — it isn't.
New EMT-Bs, new paramedics, and academy-to-field transitions often face pushback. We document the licensure + employment + prior medical/military background to satisfy continuity rules.
We close mortgages in every Florida county. The cities and metros where Florida EMTs and paramedics most commonly buy:
Yes. With a 24-month history, shift pay, overtime, and certification differentials all count toward qualifying income. We've placed Florida EMS files where the variable components moved the qualifying loan amount by $50,000–$110,000.
Common in EMS. Both W-2s count when each shows stable 24-month income. We document the schedules so underwriting can confirm continuity for both — and we make sure the total income picture is presented in one cohesive narrative.
Yes. GNND eligibility includes EMTs and paramedics for HUD-owned properties in designated revitalization areas — 50% off list price with a 36-month occupancy commitment. We screen GNND inventory weekly for our EMS files.
If you're a Florida EMT or paramedic — active, retired, or family of — we know how to structure your file. No documents required to start. No commitment.