Hometown Heroes Program—Returns!

The Hometown Heroes Program has returned to Florida — a powerful way to honor and support the everyday heroes who serve our communities, including healthcare professionals, educators, first responders, public safety workers, childcare providers, court staff, active-duty and reserve military, and veterans.

What’s in it for You?

✓ Up to 5% of your mortgage amount, capped at $35,000, toward down payment and closing costs

✓ Structured as a 0% interest, non-amortizing second mortgage repayable only if you sell, refinance, transfer ownership, or move out of the home

✓ Possible Lower interest rates and reduced upfront fees on your first mortgage (FHA, VA, USDA, conventional)

This year’s program has evolved. Unlike before, eligibility is now limited to specific public service roles—and funding has been adjusted to $50 million statewide. Make no mistake: these funds are limited and will go quickly

Now Is Your Moment to Buy

1. Unbeatable Financial Support

With assistance covering a portion of your down payment and closing costs, plus reduced fees and tax breaks, this program makes the dream of homeownership significantly more affordable.

2. Serving Those Who Serve

We’re proud to honor Florida’s backbone—those who educate, heal, protect, and sustain our communities. If you’re a professional hero in one of the eligible fields, now’s the moment to act.

3. Funds Won’t Last—Act Swiftly!

With only $50 million in 2025 funding and a narrower pathway to eligibility, positions are limited. As soon as your lender pre-approves you and you’re under contract, your assistance can be reserved Unconventional Lending.

4. Florida’s Housing Market Is Still Strong

Florida remains one of the country’s most desirable housing markets. With soaring demand and steady growth, now is a smart time to lock in your home.

How to Get Started with INB Homes

Confirm Eligibility: Check if your profession qualifies under the new guidelines (healthcare, education, first response, etc.)

Work with INB’s Participating Lenders: We’ve partnered with lenders approved by Florida Housing to guide you through the Hometown Heroes process.

Get Pre-approved & Shop Listings: Once under contract, your lender secures the down payment assistance—giving you peace of mind and budget clarity.

Enjoy Added Savings at Closing: Benefit from reduced origination points, lower mortgage rates, tax exemptions, and up to $35,000 in closing support.

Live Proudly in Your New Home: The deferred second mortgage is repaid only when you sell, refinance, or no longer occupy the home as your primary residence. No surprises, no monthly payments.

The Hometown Heroes Program isn’t just another promotion—it’s a heartfelt salute to Florida’s community pillars. With unmatched financial support, tailored benefits, and a streamlined process, there’s no better time to make your move.

Ready to explore your eligibility or schedule a home tour? Reach out today—your homeownership journey deserves a hero’s welcome. (855) 694-6634