Florida Hometown Heroes (Featured).
The headline. Up to $35,000 in down-payment and closing-cost assistance for full-time Florida workers in 100+ eligible occupations: first responders, K-12 teachers, healthcare workers, childcare staff, active military, and many state/federal/local government roles. The assistance is a 0% interest second mortgage, forgivable in the sense it’s repaid only when you sell, refinance, or move out.
Income limits typically run $130,000–$150,000 depending on county. Purchase price caps vary by county but generally fall in the $500,000–$700,000 range. Layers on top of FHA, VA, USDA, or Freddie Mac HFA Advantage / Fannie Mae HFA Preferred conventional first mortgages. We pre-screen eligibility for your exact zip and occupation in under fifteen minutes.
FL Assist.
A $10,000 zero-interest second mortgage available to Floridians who qualify for an FHA, VA, or USDA first mortgage. Repaid only at sale, refinance, or move. Stackable with the FHA 6% seller-concession allowance, which means many of our FL Assist clients close with very little cash out of pocket beyond their earnest-money deposit.
Salute Our Soldiers.
Veteran-specific bond first mortgage with a discounted rate (typically 0.25–0.5% below market). Stackable with Hometown Heroes and FL Assist when applicable — we’ll always model the three-way combination to find your lowest total monthly.
HFA Preferred Grants.
A 3% or 5% grant on the Fannie Mae HFA Preferred conventional first mortgage. Never repaid — it’s a true grant, not a forgivable second. For borrowers who don’t qualify for Hometown Heroes but want DPA, this is the move.
VA Loans In Florida.
Florida is home to more than 1.5 million veterans, the third-largest veteran population in the U.S. The 2026 baseline VA loan limit is $832,750 in most counties. Monroe County (Key West and the Florida Keys) hits $959,300. Full-entitlement veterans can buy at any price with $0 down regardless of the limit. Disability-rated veterans skip the funding fee entirely — many loan officers never check for this waiver. We do, on every file.
FHA, Conventional, Jumbo & Non-QM.
The 2026 FHA single-family limit ranges $524,225 to $929,200 depending on Florida county. Conventional loans up to the baseline; jumbo above it with strong Florida portfolio-lender appetite. Self-employed Florida business owners (especially in real estate, hospitality, and construction) place beautifully into our Non-QM bank-statement and DSCR programs.