Florida Hometown Heroes Housing Program
Hometown Heroes for Florida child care workers
Full-time workers at Florida licensed or license-exempt child care facilities, including home day cares, may get up to $35,000 at 0% from Hometown Heroes.
Who's covered
Full-time workers at a Florida licensed child care facility, or one exempt from licensure under state law, qualify. Licensed or registered home day cares are included.
Your lender confirms full-time employment at a specific Florida location with paystubs or a verification of employment.
Licensed and exempt centers
The program follows Florida's child care statutes: licensed facilities under s. 402.301 to 402.305, and certain facilities exempt from licensure under s. 402.313 and 402.316. If you're not sure which applies to your center, your director usually knows.
Home day cares
Licensed or registered family day care homes are on the list. Ask a participating lender how your income will be documented.
Paperwork to pull together
- Recent paystubs or a verification of employment
- Employer letter with the facility's Florida address, if requested
- Homebuyer education certificate
- Standard mortgage income and asset documents
Questions we hear
Do preschool teachers at a church-run center qualify?
They can, if the center is licensed or exempt from licensure under the Florida statutes the program lists and the job is full-time.
Do home day care workers qualify?
Yes. Licensed or registered home day cares are included.
What credit score do I need?
At least 640 for every loan type.
