Don't Miss Out

Get Pre-Approved Now!


The Florida Hometown Heroes Loan Program is Opens August 18th, 2025!
YOU could get $35,000 of Down Payment Assistance towards your New Home!!

Don't Wait till August 18th!

Get Pre-Approved NOW So You're Ready!

  • For Full-time Workers in Eligible Professions in FL

  • Up to $35,000 in Down Payment Assistance

Call to speak to a qualified Mortgage Specialist

HTH is Coming Back in 2025!

Be the first to know when it officially opens!

Florida’s popular Hometown Heroes Program is returning soon with new eligibility guidelines. This down payment assistance program helps qualified workers become homeowners by covering part of their down payment and closing costs – but only if you're pre-approved for a mortgage first.


This mortgage program offered exclusively in Florida makes housing available for eligible Florida-based workers.

Hometown Heroes promotes affordable homeownership for qualifying workers in Florida by providing down payment and closing cost assistance to qualified homebuyers. Eligible borrowers may receive up to 5% of the total loan amount in the form of a 0%, non-amortizing, 30-year deferred second mortgage.

Get Pre-Approved NOW so you're ready!

We can walk you through the benefits of the program and help you determine eligibility.


Excellent lender, very professional and collaborative with the entire process. As a new investor I only had an idea of what I needed and the entire team was very helpful in getting me exactly what I was looking for. Thank you very much Home Access financial


Daniel C.

About Hometown Heroes Program

Hometown Heroes Highlights

Down payment assistance and closing cost assistance

Up to 5% of total loan amount as 0%, non-amortizing, 30-year deferred second mortgage

Maximum of $35,000

Primary residences only

First-time home buyers

full-time employees of Florida-based employers in eligible professions*

Additional terms and conditions apply

Getting Pre-Approved is your first step and pre-approval can take several days. Don't wait until the last minute

Get Pre-Approved Today!

How to Get Started

Who Qualifies?

You may qualify if you work full-time for a Florida-based employer and you are employed in one of the following occupations:

Healthcare Workers (nurses, techs, aides, etc.)

School Staff (teachers, administrators, support staff)

First Responders (firefighters, EMTs, Paramedics)

Public Safety Employees

Court Employees

Childcare Workers (licensed providers, daycare staff)

Active-Duty Military & Military Reserves

U.S. Coast Guard or Reserves

Florida National Guard Members

Veterans employed Full-Time by a Florida-based employer

Our Process

Learn About the Home Buying Process

Weather you're just starting to save or already have a house in mind, we can help you get the keys to your new home!

Mortgage

Pre-Qualification VS. Pre-Approval


Both prequalification and pre-approval are important steps in your mortgage process, but knowing when each of these should be done can be a bit confusing. Your first step should be connecting with a qualified mortgage loan officer to find out more about programs that could fit your needs.

Your Mortgage Process

  • Pre-Approval

  • Home Shopping

  • Offer Accepted

  • Closing

Your Mortgage Process includes steps to help you figure out what financing you'll need and connect you with a Realtor to find the perfect home for you! But your first step is connecting with a mortgage loan officer to help you navigate and understand the whole process.

How to Apply for a Mortgage

Are you interested in financing your home purchase?

It all starts with a phone call to Home Access Financial. We'll connect you with a knowledgeable mortgage loan officer who can answer any questions you may have and take your application over the phone. You'll be on your way to pre-approval in just a short 10-minute phone call!

Popular Programs

Popular Low and Zero Down Programs Include:

  • Home Ready

  • Home Possible Advantage

  • VA Loans

  • FHA Loans

  • FHA 203K

  • USDA Loans

  • HomeOne

  • One+

  • And More!

Connect with a mortgage loan officer to find out more information about these programs and how you could qualify!

Testimonials

Licensing & Disclosures

100 S. Ashley Drive, Suite 1150, Tampa, FL 33602

813-680-5203

Contact us today for a free rate and home loan consultation

© Home Access Financial. All Rights Reserved | Program, Rate & APR Examples Home Access Financial provides home financing assistance throughout the State of Florida, Georgia, South Carolina & North Carolina. We offer a wide variety of home loan programs to meet the purchase and refinancing needs of most residential home buyers and homeowners. | GA 1516011 | NC L-205485 | FL MLD2112 | SC MLS-1516011 | TN 1516011 | Copyright 2023 All rights reserved | Contact us today for a free rate quote and home loan consultation.