Florida Hometown Heroes Housing Programs

Hometown Heroes Banner

Eligible Borrowers Can Receive Up to $25,000 in Down Payment and Closing Cost Assistance!

SUMMARY OF DETAILS:

More than 100 eligible occupations, including but not limited to:

Law Enforcement Officers, Firefighters, Educators, Healthcare Professionals,
Childcare Employees, Active Military or Veterans, and many more!

Available statewide to eligible first-time homebuyers. *At least one borrower must work full
time in a qualifying profession. *Must have not owned primary residence in last 3 years.
(Military/veterans exempt).
Competitive terms and reduced closing costs - state taxes waived.
640 minimum credit score.
VA, FHA, USDA, and Conventional options.
Loan amounts up to $647,200 Conventional/VA and up to $460,000 FHA.
Income Limits county specific, up to $138,000 in Palm Beach County (qualifying borrower only).
Hometown Heroes down payment assistance comes in the form of a non-forgivable second
mortgage at 0% interest. Loan amount up to 5% for the first mortgage amount (max $25,000).
No payments due until sale or payoff.

Eligible Occupations for FL Hometown Heroes Loan Program

(Participants must be employed FULL-TIME and CURRENTLY employed in a position in which their license or certification is held.)

Please note that only one borrower must qualify with eligible occupation.

Occupations (job position/job title) that DO NOT APPEAR on this list are
NOT eligible for FL Hometown Heroes.

Occupations (Job
Position/Job Title)

Governing
Florida State
Agency

Website of Governing Agency (for
info on how to obtain a copy of
license/certificate).


PLEASE NOTE:
LICENSE OR CERTIFICATION
MUST BE PROVIDED AS INDICATED
BELOW OR BORROWER WILL BE
DEEMED INELIGIBLE.

Governing FL
Statute

(FLORIDA Officers)
●Sworn Law
Enforcement Officer
●Certified Correction
Officer
●Correctional Probation
Officer
FL Department
of Corrections;
FL Department
of Law
Enforcement
(for FL
Officers)
https://atms.fdle.state.fl.us/atms/officerProfile.jsf


Provide copy of employee’s Global Profile
Sheet available through website above
reflecting active full-time status.

F.S. s 112.531
F.S. s 943.10
Law Enforcement
Officers eligible under
the Law Enforcement
Recruitment Bonus
Payment Program
FL Department
of Corrections;
FL Department
of Law
Enforcement
(for FL
Officers)
Law Enforcement Officers (LEOs) deemed
eligible for the Law Enforcement
Recruitment Bonus Payment Program are
exempt from the first-time homebuyer
requirement.
The LEO should receive a certificate of
eligibility signed by the Governor.Provide copy of certificate from Governor
and include “N/A” in license and
certification section of the Attestation
Form.
F.S. s 112.531
F.S. s 943.10
(N/A)
(FEDERAL Officers)

●Sworn Law
Enforcement Officer
●Certified Correction
Officer
●Correctional Probation
Officer

Examples of Federal
Officers
●FBI
●US Dept. of Homeland
Security
●US Marshals Service
●US Drug Enforcement
Administration
●Bureau of Alcohol,
Tobacco & Firearms
●US Immigration &
Customs Enforcement

Federal
Agencies
Provide a copy of VOE validating position of
Sworn Law Enforcement Officer, Certified
Correction Officer or Correctional Probation
Officer from one of the Federal Agencies
provided. VOE must include full-time status.
Include “N/A” in license and certification
section of the Attestation Form.
(N/A)
●Juvenile Detention
Officer
●Juvenile Probation
Officer
FL Department
of Juvenile
Justice
https://www.djj.state.fl.us/services/departme
nt-support-services/office-of-staffdevelopment-training/sd-t-teams/officercertification


Provide copy of VOE validating full-time
employment. (Juvenile Detention &
Probation Officers are not required to hold
license or certification.) Include “N/A” in
license and certification section of the
Attestation Form.

F.S. s 985.66
●Firefighter FL Division of
State Fire
Marshal within
the
Department of
Financial
Services
https://www.myfloridacfo.com/division/sfm/bf
st/Standards/default.htm


Provide copy of Firefighter Certificate of
Compliance or Special Certificate of
Compliance issued by FL Division of State
Fire Marshal.

F.S. s. 633.102 &
F.S. s. 633.408
●Certified Paramedic
●Certified Emergency
Medical Technician
(EMT)
FL Department
of Health
https://www.floridahealth.gov/licensing-and-regulation/emt-paramedics/index.html


Provide a copy of certification issued by FL
Department of Health.

F.S. s 112.1911
911 Public Safety
Communicator
FL Department
of Health
https://www.floridahealth.gov/licensing-andregulation/911-public-safetytelecommunicator-program/index.html


Provide a copy of certification issued by FL
Department of Health.

F.S. s 401.465
Certified K-12 Educators
(Public, Charter
Schools) to include:●Classroom Teacher
●Career Specialist
●Librarian/Media
Specialist
●School Counselor
●Social Worker
●School Psychologist(Private school
educators, as reflected
above, are eligible with
certification from FL
Department of
Education.)
FL Department
of Education
https://www.fldoe.org/teaching/certification/


Provide a copy of temporary or professional
certification issued by FL Department of
Education.

F.S. s 1012.01
Licensed or Registered
Childcare Operator
(Owner of Childcare
Facility)
FL Department
of Children &
Families
https://www.myflfamilies.com/serviceprograms/child-care/training.shtml


Provide copy of license or registration issued
by FL Department of Children & Families

F.S. s 402.305
Childcare Instructor
(employed by a LICENSED
childcare facility or
LICENSED or
REGISTERED home
childcare provider)
FL Department
of Children &
Families
https://www.myflfamilies.com/serviceprograms/child-care/training.shtml


Provide copy of employer’s license or
registration issued by FL Department of
Children & Families. (Childcare Instructor is
not required to hold license or certification.)
Include and indicate “Employer
License/Registration” in license and
certification section of the Attestation
Form.

●Registered Nurse (RN)
●Licensed Practical
Nurse (LPN)
●Advanced Practice
Registered Nurse
(APRN)
●Certified Registered
Nurse Anesthetist
●Clinical Nurse
Specialist
●Certified Nurse
Midwife
FL Board of
Nursing
https://floridasnursing.gov/licensing/


Provide copy of license issued by FL Board
of Nursing.

F.S. s 464.003
F.S. s 464.008
F.S. s 464.009
Certified Nursing
Assistant (CNA)
FL Board of
Nursing
https://floridasnursing.gov/renewals/certifiednursing-assistant/


Provide copy of certification issued by FL
Board of Nursing.

F.S. s 464.201 -
Home Health Aide
(employed by a LICENSED
home health agency)
FL Agency for
Health Care
Administration
https://www.ahca.myflorida.com/MCHQ/inde
x.shtml


Provide copy of employer’s license issued
by FL Agency for Health Care
Administration.

N/A
Health Care Practitioner
to include:
●Physician
●Physician Assistant
●Anesthesiologist
FL Board of
Medicine
https://flboardofmedicine.gov/licensing/


Provide a copy of license issued by FL
Board of Medicine.

F.S. s 458.305
F.S. s 458.311
F.S. s 458.314
F.S. s 458.347
Anesthesiologist
Assistant
FL Board of
Medicine
https://flboardofmedicine.gov/licensing/anest
hesiologist-assistant-licensure/


Provide a copy of license issued by FL
Board of Medicine.

F.S. s 458.3475
Psychiatrist FL Board of
Medicine
https://flboardofmedicine.gov/licensing/public
-psychiatry-certificate/


Provide a copy of license issued by FL
Board of Medicine.

F.S. s 458.3165
Certified Medical
Assistant
FL Board of
Nursing
https://floridasnursing.gov/


Provide a copy of certificate issued by an
accredited national or state medical
association, Commission for Certifying
Agencies (NCCA) or entity approved by
Board (FL Board of Medicine.)

F.S. s 458.3485
F.S. s 458.307
Acupuncturist FL Board of
Acupuncture
https://floridasacupuncture.gov/licensing/


Provide a copy of license issued by FL
Board of Acupuncture.

F.S. s. 457.102
Osteopathic Physician FL Board of
Osteopathic
Medicine
https://floridasosteopathicmedicine.gov/licen
sing/


Provide a copy of license issued by FL
Board of Osteopathic Medicine.

F.S. s 459.003
Chiropractic Physician FL Board of
Chiropractic
Medicine
https://floridaschiropracticmedicine.gov/licen
sing/


Provide a copy of license issued by the FL
Board of Chiropractic Medicine.

F.S. s 460.403
Certified Chiropractic
Physician’s Assistant
FL Board of
Chiropractic
Medicine
https://floridaschiropracticmedicine.gov/licen
sing/certified-chiropractic-physiciansassistant/


Provide a copy of certificate issued by FL
Board of Chiropractic Medicine.

F.S. s 460.4165
Podiatric Physician FL Board of
Podiatric
Medicine
https://floridaspodiatricmedicine.gov/licensin
g/


Provide a copy of license issued by FL
Board of Podiatric Medicine.

F.S. s 461.003
Certified Podiatric XRay Assistant FL Board of
Podiatric
Medicine
https://floridaspodiatricmedicine.gov/licensin
g/certified-podiatric-x-ray-assistant/


Provide a copy of certificate issued by FL
Board of Podiatric Medicine.

F.S. s 461.0135
Naturopathic Physician FL Board of
Medicine
https://flboardofmedicine.gov/help-center/doyou-have-to-be-licensed-in-florida-topractice-alternative-medicine-such-asnaturopathy-or-homeopathy/


Provide copy of license issued by FL Board
of Medicine.

F.S. s 462.01
●Pharmacist
●Nuclear Pharmacist
FL Board of
Pharmacy
https://floridaspharmacy.gov/


Provide copy of license issued by FL Board
of Pharmacy.

F.S. s 465.003
F.S. s 465.0126
F.S. s 465.014
Pharmacy Technician FL Board of
Pharmacy
FL Board of Pharmacy


Provide copy of registration issued by FL
Board of Pharmacy.

F.S. s 465.003
F.S. s 465.0126
F.S. s 465.014
●Dentist
●Dental Hygienist
FL Board of
Dentistry
https://floridasdentistry.gov/licensing/


Provide copy of license issued by FL Board
of Dentistry.

F.S. s 466.003
Dental Assistant FL Board of
Dentistry
https://floridasdentistry.gov/licensing/


Provide copy of VOE or letter from employer
validating supervisor is a licensed Dentist.
(Dental Assistant is not required to hold
license or certification.) Include “N/A” in
license and certification section of the
Attestation Form.

F.S. s466.003
Speech Language
Pathologist or
Audiologist
FL Department
of Health; FL
Board of
SpeechLanguage
Pathology &
Audiology
https://floridasspeechaudiology.gov/licensing/


Provide copy of license issued by FL Board
of Speech Language Pathology & Audiology.

F.S. s 468.1105
F.S. s 468.1125
F.S. s 468.1185
Speech-Language
Pathology Assistant or
Audiologist Assistant
FL Department
of Health; FL
Board of
SpeechLanguage
Pathology &
Audiology
https://floridasspeechaudiology.gov/licensing/


Provide a copy of certification from FL Board
of Speech Language Pathology & Audiology.

F.S. s 468.1105
F.S. s 468.1125
F.S. s 468.1185
Nursing Home
Administrator
FL Board of
Nursing Home
Administrators
https://floridasnursinghomeadmin.gov/licensi
ng/


Provide copy of license issued by FL
Nursing Home Administrators.

F.S. s 468.1655
●Occupational
Therapist
●Occupational
Therapist Assistant
FL Board of
Occupational
Therapy
Practice
https://floridasoccupationaltherapy.gov/licen
sing/


Provide copy of license issued by FL Board
of Occupational Therapy.

F.S. s 468.203
Occupational Therapist
Aide
FL Board of
Occupational
Therapy
Practice
https://floridasoccupationaltherapy.gov/licen
sing/


Provide copy of VOE or letter from employer
validating supervisor is a licensed
Occupational Therapist or Occupational
Therapist Assistant. (Occupational Therapist
Aide is not required to hold a license or
certification.) Include “N/A” in the license
and certification section of Attestation
Form.

F.S. s 468.203
●Certified Respiratory
Therapist
●Registered Respiratory
Therapist
FL Department
of Health; FL
Board of
Respiratory
Care
https://floridasrespiratorycare.gov/licensing/


Provide copy of license issued by FL Board
of Respiratory Care.

F.S. s 458.358
●Licensed Dietician or
Nutritionist
●Licensed Nutrition
Counselor
FL Department
of Health
https://www.floridahealth.gov/licensing-andregulation/dietetic-nutrition/index.html


Provide copy of license issued by FL
Department of Health.

F.S. s 468.503
F.S. s.468.509
F.S. s 468.51
Registered Dietician or
Nutritionist
FL Department
of Health; FL
Commission
on Dietetic
Registration
https://www.floridahealth.gov/licensing-andregulation/dietetic-nutrition/index.html


Provide copy of registration issued by FL
Commission on Dietetic Registration.

F.S. s 468.503
F.S. s.468.509
F.S. s 468.51
Dietetic Technician FL Department
of Health
https://www.floridahealth.gov/licensing-andregulation/dietetic-nutrition/index.html


Provide copy of VOE or letter from employer
validating supervisor is a Licensed
Practitioner, Licensed Dietician or
Nutritionist or Licensed Nutrition Counselor.
(Dietetic Technician is not required to hold a
license or certification.) Include “N/A” in
the license and certification section of
Attestation Form.

F.S. s 468.503
F.S. s.468.509
F.S. s 468.51
Athletic Trainer FL Department
of Health
FL Board of
Athletic
Training
https://floridasathletictraining.gov/licensing/


Provide copy of license issued by FL Board
of Athletic Training.

F.S. s 468.701
F.S. s.468.707
●Prosthetist
●Orthotist
● Prosthetist Orthotist
●Pedorthist
●Prosthetist
●Orthotic Fitter
●Orthotic Fitter
Assistant
FL Board of
Orthotists &
Prosthetists
https://floridasorthotistsprosthetists.gov/licen
sing/


Provide copy of license issued by FL Board
of Orthotists & Prosthetists.

F.S. s 468.80
Electrologist FL Department
of Health
https://www.floridahealth.gov/licensing-andregulation/electrolysis/index.html


Provide copy of license issued by FL
Department of Health.

F.S. s 478.42
F.S. s 478.45
Massage Therapist FL Board of
Massage
Therapy
https://floridasmassagetherapy.gov/licensing/


Provide copy of license issued by FL Board
of Massage Therapy.

F.S. s 480.033
Clinical Laboratory
Personnel to include:● Laboratory Director
●Supervisor
●Technologist
●Blood-Gas Analyst
●Laboratory Testing
Technician
FL Board of
Clinical
Laboratory
Personnel
https://floridasclinicallabs.gov/licensing/ 


Provide copy of license issued by FL Board
of Clinical Laboratory Personnel.

F.S. s 483.803
F.S. s 483.809
Phlebotomist
(employed as a full-time
phlebotomist and has
successfully completed an
accredited phlebotomy
course)
FL Board of
Clinical
Laboratory
Personnel
https://floridasclinicallabs.gov/licensing/


Provide confirmation of CURRENT
employment as a Phlebotomist and proof of
COMPLETED ACCREDITED
PHLEBOTOMY COURSE. (Phlebotomist is
not required to hold a license or
certification.) Include “N/A” in the license
and certification section of Attestation
Form.

F.S. s 483.803

(N/A)

Licensed Medical
Physicist
(Radiologic)which
works with diagnostic
application and safe use
of x-rays, ultrasonic
radiation or magnetic
fields.
FL Department
of Health
https://www.floridahealth.gov/licensing-andregulation/medicalphysicist/licensing/index.html


Provide copy of license issued by FL
Department of Health.

F.S. s 483.901
● Certified Basic X-Ray
Machine Operator
●Certified Radiologic
Technologist
●Certified Radiology
Assistant
●Certified General
Radiographer
●Specialty Technologist
(Radiologic)
FL Department
of Health
https://www.floridahealth.gov/licensing-andregulation/radiologictechnology/licensing/index.html


Provide copy of certificate issued by FL
Department of Health.

F.S. s 468.301
F.S. s 468.302
F.S. s 468.304
Genetic Counselor FL Department
of Health
https://www.floridahealth.gov/licensing-andregulation/genetic-counseling/index.html


Provide copy of license issued by FL
Department of Health.

F.S. s 483.913
F.S. s 483.914
Optician FL Board of
Opticianry
https://floridasopticianry.gov/licensing/


Provide copy of license issued by FL Board
of Opticianry.

F.S. s 484.002
Optician Apprentice FL Board of
Opticianry
https://floridasopticianry.gov/licensing/


Provide copy of registration issued by FL
Board of Opticianry.

F.S. s 484.002
Certified Optometrist FL Board of
Optometry
https://floridasoptometry.gov/licensing/


Provide copy of license issued by FL Board
of Optometry.

F.S. s 463.002
Hearing Aid Specialist FL Board of
Hearing Aid
Specialists
https://floridashearingaidspecialists.gov/licen
sing/


Provide copy of license issued by FL Board
of Hearing Aid Specialists.

F.S. s 484.041
Hearing Aid Specialist
Trainee
FL Board of
Hearing Aid
Specialists
https://floridashearingaidspecialists.gov/licen
sing/


Provide copy of VOE or letter from employer
validating supervisor is a Licensed Hearing
Aid Specialist. (Hearing Aid Specialist
Trainee is not required to hold a license or
certification.) Include “N/A” in the license
and certification section of Attestation
Form.

F.S. s 484.041
●Physical Therapist
●Physical Therapist
Assistant
FL Board of
Physical
Therapy
https://floridasphysicaltherapy.gov/licensing/


Provide copy of license issued by FL Board
of Physical Therapy.

F.S. s 486.021
●Psychologist
●School Psychologist
FL Board of
Psychology
https://floridaspsychology.gov/licensing/


Provide copy of license issued by FL Board
of Psychology.

F.S. s 490.003
●Clinical Social Worker
●Marriage & Family
Therapist
●Mental Health
Counselor
FL Board of
Clinical Social
Work,
Marriage &
Family
Therapy &
Mental Health
Counseling
https://floridasmentalhealthprofessions.gov/li
censing/


Provide copy of license issued by FL Board
of Clinical Social Work; Marriage & Family
Therapy & Mental Health Counseling.

F.S. s 491.003
●Child Protective
Services’ Enforcement
●Adult Protective
Services’ Enforcement
FL Department
of Children &
Family
Services
Provide copy of VOE or letter from employer
validating employment with DCF. (Child
Protective Services’ Enforcement & Adult
Protective Services’ Enforcement employees
with DCF are not required to hold a State of
FL license or certification.) Include “N/A” in
the license and certification section of
Attestation Form.
F.S. s 402.402
(N/A)
F.S. s 415.102
(N/A)
Veterinarian FL Board of
Veterinary
Medicine
https://www.myfloridalicense.com/intentions
2.asp?chBoard=true&boardid=26&SID=


Provide copy of license issued by FL Board
of Veterinary Medicine.

F.S. s 474.202
F.S. s 474.207
Veterinarian Assistant
or Technician
*(employed by a permanent
or mobile veterinary
practice)
FL Board of
Veterinary
Medicine
https://www.myfloridalicense.com/intentions
2.asp?chBoard=true&boardid=26&SID=


Provide copy of VOE or letter from employer
validating employment with a permanent or
mobile veterinary practice. (Veterinarian
Assistants and Technicians are not required
to hold a State of FL license or certification.)
Include “N/A” in the license and
certification section of Attestation Form.

F.S. s 474.202
(N/A)
Assistant Public
Defender
FL Justice
Administration
Commission
Provide copy of VOE or letter from employer
validating employment. License/certification
for Assistant Public Defender is not required.
(Include “N/A” in the license and
certification section of Attestation Form).
F.S. s. 27.53
(N/A)
F.S. s 790.25
(N/A)
Assistant State Attorney Attorney
General
Provide copy of VOE or letter from employer
validating employment. License/certification
for Assistant State Attorney is not required.
(Include “N/A” in the license and
certification section of Attestation Form).
F.S. 27.18
(N/A)
F.S. 27.181
(N/A)
Assisted Living Facility
Administrator
Agency for
Healthcare
Administration
https://www.floridahealthfinder.gov/facilityloc
ator/facloc.aspxhttps://alfmacdonaldresearch.com/SuccessfullExamineesList.asp
x


Provide copy of verification of employer’s
(Assisted Living Facility’s) registration
confirming Administrator’s name through
ACHA’s website above.
Also provide confirmation of receipt of ALF
Gold-Leaf Certificate of Achievement from
The MacDonald Research Institute (TMRI)
website above.

F.S. 429.02
F.S.429.07

Active Military Personnel & Veterans

(formerly the Salute Our Soldiers Program)


Active Military & Veterans are not required to qualify
under one of the eligible occupations listed above.


 

Active Military
Personnel
●Active-duty personnel from the military (Air Force, Army, Coast Guard, Marine
Corps, National Guard, Space Force or the Reserves) are exempt from the First
Time Homebuyer Requirement.
●Must provide a copy of his/her LES or copy of their SRCA to validate eligibility.
●(Include “N/A” in the license and certification section of Attestation Form).
Veterans ●Veterans are exempted from the First Time Homebuyer Requirement when they
provide a valid DD-214 that reflects discharge status as other than dishonorable.
●Surviving spouse may participate in a VA mortgage ONLY when providing a valid
Certificate of Eligibility (COE).
●(Include “N/A” in the license and certification section of Attestation Form).
Loan Limits

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Ray Kinney

Real Estate Advisor & Veteran of the US Army
Past Senior Veteran liaison at Vitas &
Former High School Teacher
Servicing Veterans of the Armed Services, Police Force, SWAT, Home Healthcare and other related professions
(754) 235-8228
Rkinney77@gmail.com

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Nathalie Larue-McMahon

Real Estate Advisor
Parent actively involved in Education,
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Servicing School & Childcare Educators, Conventional Modern, Complementary, Alternative Medicine Practitioners & Physicians
(954) 937-1485 – (parle français)
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Crystal Harrison

Real Estate Advisor
Vast experience in working with family & friends of Law Enforcement Officers, Firefighters, Paramedics, Nurses, Dentists,
Social Workers & Child Protective Services
(954) 815-0709
Crystal@OceanAreaLiving.com

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