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Affordable homeownership for frontline workers

Thanks to the Florida Hometown Heroes Housing Program, MIDFLORIDA now offers affordable housing opportunities for eligible frontline community workers.


Are you a frontline community worker looking for homeownership assistance?

MIDFLORIDA Credit Union is proud to offer the Florida Hometown Heroes Housing Program to help our Florida community heroes achieve their homeownership goals. The program offers down payment and closing cost assistance, and is a great option for those looking to buy their first home in the communities they serve.

The Florida Hometown Heroes Housing Program makes homeownership affordable for eligible frontline community workers, such as law enforcement officers, firefighters, educators, healthcare professionals, childcare employees, and active military or veterans.

Afford more home
Annual & lifetime rate caps
Lower initial payment

Not sure whether you qualify? Speak with a  MIDFLORIDA mortgage specialist today to learn more about the program and eligibility requirements. Just call (863) 688-8443 or toll free (855) 915-4663, or start your application online.

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Image of Central Florida family moving into their first home thanks to the Hometown Heroes Florida Housing Program


Learn more about the Florida Hometown Heroes Housing Program

  • Eligible frontline workers can receive lower than-market-rates on a variety of home loans, reduced upfront fees, and no origination points or discount points.
  • Borrowers can receive up to 5% of the first mortgage loan amount (maximum of $25,000) in down payment and closing cost assistance.
  • Down payment and closing cost assistance is available in the form of an interest-free, non-amortizing deferred second mortgage. This second mortgage becomes due and payable, in full, upon sale of the property, refinancing of the first mortgage, transfer of deed or if the homeowner no longer occupies the property as his/her primary residence. The Florida Hometown Heroes loan is not forgivable.

Florida Hometown Heroes Housing Eligibility


How much home can you afford?

Begin your search for a new house knowing exactly what will fit in your budget. Once you find your dream home, you’ll be able to make your offer, confident that you have the financing to seal the deal.