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Florida Hometown Heroes Housing Program

Hometown Heroes for Florida court employees

Florida court clerks, court reporters, assistant state attorneys and public defenders may get up to $35,000 at 0% toward a first home via Hometown Heroes.

Who's covered

Full-time employees of a Florida-based county, state or federal court, court administrator's office, State Attorney's Office or Public Defender's Office qualify. Examples include assistant state attorneys, assistant public defenders, court clerks and court reporters.

Your lender verifies full-time work at a specific Florida location with paystubs or a verification of employment.

Florida Hometown Heroes pairs a Florida Housing 30-year fixed first mortgage with a second mortgage worth 5% of your loan (minimum $10,000, maximum $35,000) for down payment and closing costs. The second mortgage has 0% interest and no monthly payment, but it is not a grant: you repay it when you sell, refinance, pay off the first mortgage or stop living in the home. Funds are limited and handed out first-come, first-served through participating lenders.

Prosecutors and defenders alike

Both sides of the courtroom are covered. Assistant state attorneys and assistant public defenders are named in the eligible employer list, along with the staff who keep the courts running.

Watch the income limit

Attorney salaries can sit close to the county limits, especially in two-income households. Check the income limits and ask your lender whether it uses the TBA or Bond option, since they count income differently.

Paperwork to pull together

  • Recent paystubs or a verification of employment
  • Employer letter with your Florida office address, if requested
  • Homebuyer education certificate
  • Standard mortgage income and asset documents

Questions we hear

Do assistant public defenders qualify?

Yes. Full-time employees of a Florida Public Defender's Office are eligible.

Do federal court employees qualify?

Yes, if they work full-time at a Florida-based federal court.

Is there an income limit?

Yes. It depends on your county and on whether your lender uses the TBA or Bond option.

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