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Florida Hometown Heroes Housing Program

Hometown Heroes for Florida nurses and healthcare workers

Florida RNs, LPNs, CNAs, techs, therapists and other healthcare workers may get 5% of their loan, up to $35,000, at 0% through Hometown Heroes.

Who's covered

Full-time employees of a Florida-based healthcare provider or physician, hospital, assisted living facility, mental health facility or other healthcare facility qualify. That includes RNs, LPNs, CNAs, APRNs, technicians, therapists, pharmacists, physicians, PAs, medical and dental assistants, and behavioral health staff.

Your lender confirms full-time employment 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.

Beyond the hospital

A dental assistant in a private practice, a CNA at an assisted living facility and a counselor at a mental health center all fit the employer rule, as long as the job is full-time at a Florida location.

Travel and agency work

The program needs one full-time eligible Florida employer and a Florida work location. If you're paid through a staffing agency or work per diem, ask a participating lender how your situation is treated before you shop for homes.

Paperwork to pull together

  • Recent paystubs showing full-time hours, or a verification of employment
  • Employer letter from a work email with your Florida work address, if requested
  • Homebuyer education certificate
  • Standard mortgage income and asset documents

Questions we hear

Do CNAs and medical assistants qualify?

Yes. Full-time CNAs, medical assistants and dental assistants at Florida healthcare employers are eligible.

Do I have to work at a hospital?

No. Physician offices, assisted living facilities, mental health facilities and other Florida healthcare employers count.

Can a remote telehealth worker qualify?

Usually not. You need to work at a physical Florida location, or be on site at least three days a week if hybrid.

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