Florida Hometown Heroes
Home Loan Program

Important 2025 Update: New Requirements for Florida’s Hometown Heroes Program

The Florida Hometown Heroes Loan Program is evolving in 2025. While $50 million in funding has been approved by the Legislature, the program is currently pending final approval from the Governor. Florida Housing will release new guidelines and occupation eligibility soon. Here’s what you need to know.

What You Get with the Hometown Heroes Program

Benefits listed below are subject to change. New lender guidelines and occupation eligibility are expected soon.

1. Low Monthly Payments

  • Get a 30-year fixed-rate mortgage with a competitive interest rate.
  • Choose from FHA, VA, USDA-RD, or conventional loan options.
  • Enjoy peace of mind with stable monthly payments that won’t change.

2. Help with Down Payment & Closing Costs

  • Receive up to 5% of your total loan amount, capped at $35,000, with a minimum of $10,000.
  • This is a 0% interest loan — no payments until you sell, refinance, or move out.
  • Keep more of your savings for moving expenses, furniture, and family needs.

Who’s Eligible?

To qualify under the proposed 2025 Hometown Heroes Program, borrowers must:

  • Be employed full-time by a Florida-based employer, and work in one of the following roles
  • Healthcare worker
  • School staff member
  • First responder
  • Public safety employee
  • Court employee
  • Childcare worker
  • Active-duty military or military reserves, Coast Guard, or Florida National Guard
  • Veteran employed full-time by a Florida-based employer

Please note: Florida Housing will publish a finalized list and updated program guide soon. We will update this page as soon as the information is released.

Veterans are still included in the 2025 program; however, they must be employed full-time by a Florida-based employer. The exemption for employer requirement no longer applies.

Why Choose American Mortgage Services?

We’re not just another lender — we’re your partner in making homeownership a reality. Here’s what makes working with American Mortgage Services the smart choice:

We walk you through every step of the process. 

Get pre-qualified and on the path to homeownership quickly. 

No broker fees or 1% origination charge like other programs.

We specialize in helping Florida’s heroes get the financing they deserve.
Awaiting 2025 Hometown Heroes Program updates – homebuyer assistance Florida

What You’ll Need to Apply

Pending program updates, required documents may change. This checklist is based on prior HTH guidelines.

Applying is simple with the right support. When you work with American Mortgage Services, we help you gather everything you need, including:
  • Recent pay stubs or employment verification from your Florida-based employer.
  • Proof of Florida residency and that you’ll live in the home as your primary address.
  • Homebuyer education certificate.
  • Income documents for all adults (18+) living in the home — even if they’re not on the loan.
If you’re self-employed, we’ll help you show that your business is registered or licensed in Florida.

Special Benefits for Veterans

If you’ve served in the military and received an honorable discharge, you may:
  • May skip the first-time homebuyer rule
  • Must still meet the Florida employer requirement
  • Must provide DD-214 form as proof of service
Just provide your DD214 form as proof of service.

What’s Next?

Florida Housing will

  • 1
    Approve the final list of eligible occupations
  • 2
    Release the updated lender guide
  • 3
    Schedule training sessions for lenders
  • 4
    Announce when the 2025 program will officially launch

As of now, **funds will NOT be available on July 1st**. Please check back soon or contact our team for updates.

Ready to Get Started?

Let American Mortgage Services help you unlock the door to your new home. Our team is here to answer your questions, help you apply, and make sure you get every benefit you deserve.


Contact us today to find out if you qualify — and take the first step toward owning a home in the community you love.

Because at American Mortgage Services, we believe that those who serve deserve the very best.

If you have further questions, feel free to contact us

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Clayton Heitler NMLS#372592
1000 N Ashley Dr. #1020
Tampa, FL 33602

Equal Housing Opportunity
American Mortgage Services

The contents within the website are presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval.

American Mortgage Services, Inc. NMLS# 259805
NMLS Consumer Access
American Mortgage Services, Inc. Licensed in AL, FL, GA, LA, MI, & TN

American Mortgage Services

Contact AMS

Clayton Heitler NMLS #372592
1000 N Ashley Dr. #1020
Tampa, FL 33602

The contents within the website are presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval.

American Mortgage Services, Inc. NMLS# 259805
NMLS Consumer Access
American Mortgage Services, Inc. Licensed in AL, FL, GA, LA, MI, & TN

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