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Tax forms are ready! Tax forms started mailing on January 14, and are available within Free Online Banking and the mobile app.

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Hometown Heroes housing program

affordable options for our full-time heroes

Thanks to the Florida Hometown Heroes Housing Program, homeownership opportunities are easier for first-time home buyers.
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at a glance 

Choosing the Right Mortgage

This popular program offers down payment and closing cost assistance to eligible full-time Florida frontline and public service workers. Let us help you evaluate your eligibility and find out if you qualify for this limited-time program.

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Homeownership Assistance

Receive up to 5.00% of the first mortgage loan amount (max $35,000) in down payment and closing cost assistance.1
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supports Florida heroes

Provides homeownership opportunities to eligible full-time frontline or public service workers employed by Florida-based employers.
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Loan Options

Offers lower than market rates on a variety of home loans, including 30- and 15-year fixed-rate mortgages.
First Steps

How to Get Started

Getting started on a mortgage is simple when you know the key steps to take, from exploring your options to submitting your application.
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Start Your Application

Take the guesswork out of your home search. By knowing how much you can afford, you can find the perfect home that fits your budget and be one step closer to moving in. Start your application now and we'll be happy to walk you through the next steps.
Start Application
Mortgage specialists

Find Your Perfect Mortgage with Expert Help

Not sure which mortgage loan is right for you? Our Mortgage Specialists are here to guide you every step of the way. Contact a local expert to get personalized advice and find the loan that fits your needs. Locate a Mortgage Specialist or call (863) 688-8443 or toll free (855) 915-4663.
Mortgage Specialists
Number one

Let's Chat

Answer a few simple questions and we will connect you with a mortgage expert to help find the perfect product for your needs.
Number two

Processing Your Application

Once we've matched you with the right product, we will guide you through every step, helping you gather the necessary documentation to process your application.
Number three

Approval & Funding

When you find your dream home, our team will guide you through the mortgage closing process, ensuring all final steps are completed smoothly.
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Calculate How Much You Can Afford

Use the calculator below to calculate how much home you can afford. 
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Other Mortgage Options

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First-time Homebuyer

A fixed-rate mortgage with down payment options as low as 3% of the purchase price, making it easier to buy the home you want.
First-Time Homebuyer
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FHA / VA / USDA

Government-insured home loans with more flexible lending standards and lower down payment requirements.
Government Loans
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Adjustable-Rate Mortgage

An adjustable-rate mortgage saves borrowers money upfront with lower interest rates and a lower payment for an initial period, and adjusts after that.
Adjustable Rate Mortgage

Explore More Mortgage Resources

Find helpful tools and information to guide you through the mortgage process.

First-time homebuyer

Curious about the home-buying process? Discover what to expect from your real estate agent, mortgage loan officer, and your own role.
Home Purchase Basics

Planning for Homeownership

Start planning for your future home today with tips and advice on where to start from our mortgage experts.
Homeownership Planning

Mortgage Checklist

Make sure you're fully prepared. Check out our complete list of the documents and information you'll need to gather for a smooth mortgage loan process.
Mortgage Checklist

How to get a loan

Ready to secure your mortgage? Learn all about the loan process from application to funding in our step-by-step guide.
How to Get a Loan
Dive Deeper

Insights and Tips from Our Blogs

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The Ultimate Guide to Retiring in Florida in 2026

Explore how to retire in Florida in 2026, including tax benefits, housing options, top cities, financial planning, and lifestyle guidance for a smooth move.

 

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How Much House Can You Afford in Florida?

Wondering how much house you can afford in Florida? Learn how to calculate your budget based on income, debt, rates, and local market conditions.

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What Happens to Mortgage Rates If Inflation Surges Again?

If inflation rises again, mortgage rates could spike. Learn how inflation impacts rates and how to prepare as a homebuyer, homeowner, or refinancer.

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Pros and Cons of Buying a House During the Holidays

Buying a house during the holidays has unique pros and cons. Learn if this slower season could offer the right opportunity for your next home purchase.

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Will Home Prices Keep Rising After the Rate Cut?

Will home prices rise after interest rates drop? Learn how a rate cut impacts the housing market and what it means for buyers and sellers.

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Should First-Time Buyers Jump Into the Market After the Rate Cut?

Thinking about buying your first home after a rate cut? Learn what experts recommend for first-time buyers in a shifting housing market.

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Will Mortgage Rates Drop Further in 2026? What Experts Predict

Experts weigh in on where mortgage rates are headed in 2026. Learn what to expect and how to plan your next move in a changing rate environment.

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How A 50-Year Mortgage Might Help Florida Homebuyers

Could 50-year mortgage help Florida buyers afford homes? Learn how this proposed option compares to the proven 30-year mortgages available now.

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Miami vs. Los Angeles: Which City Offers the Better Lifestyle and Opportunities?

Comparing Miami vs Los Angeles? See which city offers the better cost of living, career opportunities, and lifestyle for individuals and families in 2025. 

Learn More

How to Buy a Home in Florida Remotely Using E-Signatures and Virtual Closings

Learn how to buy a Florida home remotely using e-signatures and virtual closings. Move with ease—even from across the country.

Learn More
1. Limited time offer which may be canceled at any time without notice. Membership required. Eligibility requirements apply. Subject to credit review and approval. Primary homes only. Payment Example valid as of December 19, 2025: A 30-year Conventional purchase loan for $118,750.00 with 3.5% down at 6.375% and an Annual Percentage Rate (APR) of 6.962% has a monthly payment of $740.85, which includes principal and interest. Payment example does not include taxes, insurance premiums, or mortgage insurance premiums; actual payment will be greater. Actual rate may vary based on credit history, loan to value and underwriting guidelines. Other conditions apply. Ask your mortgage loan officer for details. Equal Housing Opportunity. NMLS# 417627

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