Florida Hometown Heroes Housing Program
Hometown Heroes for Florida firefighters, EMTs and paramedics
Florida firefighters, EMTs and paramedics may get 5% of their first mortgage ($10,000 to $35,000) as a 0% deferred second through Hometown Heroes.
Who's covered
Full-time employees of a Florida-based fire department, ambulance service or hospital qualify. That covers firefighters, certified EMTs and certified paramedics.
Your lender confirms full-time employment at a specific Florida location using paystubs or a verification of employment or employer letter.
Hospital and private ambulance crews count
You don't have to work for a city or county fire rescue. EMTs and paramedics employed full-time by a Florida ambulance service or a hospital meet the same employer rule.
One full-time employer
Many first responders pick up shifts elsewhere. The program looks for full-time work with one eligible Florida employer, and it doesn't accept several part-time jobs added together. Your lender reviews how your extra shift income is counted.
Paperwork to pull together
- Recent paystubs or a verification of employment showing full-time status
- Employer letter listing your Florida station or work address, if your lender asks
- EMT or paramedic certification, if your lender asks
- Homebuyer education certificate
Questions we hear
Do volunteer firefighters qualify?
The program requires full-time employment with an eligible Florida employer. A participating lender confirms whether your position counts.
I'm a paramedic at a private ambulance company. Am I eligible?
Yes, if you work full-time for a Florida-based ambulance service.
Is the money a grant?
No. It's a 0% deferred second mortgage with no monthly payment that you repay when you sell, refinance or move out.
