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Florida Hometown Heroes Program

Great news, as of November 7, 2023, another $ 36 million dollars is available for the hometown heroes program.  Don't hesitate because it is only expected to last a couple of weeks.

Anyone is able to participate in the program as long as they work at least 35 hours per week for a Florida Based Employer.  

How does the program help?

  • For first-time homebuyers who are income-qualified, this program provides down payment and closing cost assistance so they can purchase a primary residence in the community in which they work and serve. 

Program Details:

  • Eligible frontline workers can receive lower than market rates on an FHA, VA, RD, Fannie Mae, or Freddie Mac first mortgage, reduced upfront fees, no origination points or discount points, and down payment and closing cost assistance.
  • You can receive up to 5% of the first mortgage loan amount (maximum of $35,000) in down payment and closing cost assistance.
  • A minimum of $ 10,000 would be provided to the program.
  • For the down payment and closing cost assistance, you are able to receive this in a 0%, non-amortizing, 30-year deferred second mortgage. This means no monthly payments for this second loan are required!  This second mortgage only becomes due and payable, in full, upon sale of the property, refinancing of the first mortgage, if the homeowner no longer occupies the property as his/her primary residence and transfer of deed.  The Florida Hometown Heroes loan is not forgivable.
  • If you take advantage of this program, you could still receive seller concessions to cover your closing cost.


What does brick and mortar Florida based employer mean

Income and purchase price limits


New Listings to Market

5 Beds 4 Baths Lake Cove Pointe Ph 02 SubDv. 34787 Zip Code
Prepare to be enchanted by this charming family abode nestled in the heart of Downtown Winter Garden! Don't let this chance slip by to reside in a welcoming, golf cart-friendly community. Situated on a serene cul-de-sac within the historic Winter Garden city limits, this exquisite home is situated in the downtown area's sole gated community with two entrances. Upon entering, you'll be captivated by the expansive vaulted ceilings, setting a grand tone for the home. The first floor boasts modern engineered wood flooring flowing seamlessly through the living spaces. The chef's kitchen, upgraded with granite countertops, 42” white shaker cabinets, and stainless steel appliances, exudes sophistication, complemented by a sleek white vent hood and flat cooktop, adding a contemporary flair. Ascending upstairs, a versatile loft area awaits, perfect for a playroom or family media hub. The luxurious master bedroom features custom wainscoting and refined paint finishes, creating an ambiance of elegance and comfort. An additional laundry room and three sizable guest bedrooms round out the second floor. Outside, a spacious screened patio provides an ideal spot for relaxation, while the custom splash pad offers entertainment for family and friends. With ample storage, the three-car garage fulfills all your organizational needs. Seize this golden opportunity to own a piece of one of Central Florida's most coveted and rapidly expanding locales. Conveniently located near major highways, including 408, 429, and the Turnpike, and short distance to the West Orange trail, farmers market, and an array of dining and shopping options, this turnkey family home is sure to attract attention. Don't delay – schedule your private showing today before this gem is gone!

420 Lone Heron Way, Winter Garden

4 Beds 4 Baths Estates At Wekiva Park SubDv. 32771 Zip Code
One or more photo(s) has been virtually staged. Welcome to this stunning 4-bedroom, 4-bathroom custom pool home, nestled on a lush half-acre lot with serene conservation views. Located in the prestigious gated community of Estates at Wekiva Park, this exquisite property offers a perfect blend of luxury, comfort, and privacy. As you step inside, you are greeted by soaring 14ft ceilings that create an open and airy ambiance, filled with an abundance of natural light. The spacious main living area boasts elegant travertine tile flooring, seamlessly connecting the living, dining, and kitchen spaces for a fluid and sophisticated living experience. Each of the four generously sized bedrooms features luxury laminate flooring, providing a warm and inviting atmosphere. The bedrooms are thoughtfully designed, each with its own unique charm and character, complemented by four well-appointed bathrooms. This home features a custom-designed pool, promising endless days of relaxation and entertainment. The pool area, set against the backdrop of a beautifully maintained conservation view, offers a private oasis for you and your guests. The Estates at Wekiva Park community is renowned for its exclusive lifestyle and its direct access to the Wekiva trails, parks, and bike system, making it an ideal location for outdoor enthusiasts. Moreover, residing within the highly acclaimed Seminole County school district, this home is perfect for families seeking top-notch education. The home's location provides easy access to major highways such as 429, 417, and I4, ensuring convenient shopping, dining, and entertainment options are just a short drive away. This property is a rare find – a blend of luxury, comfort, and natural beauty, all within a prestigious gated community. Don’t miss the opportunity to make this your dream home. Contact us today for a private viewing.

136 Osprey Hammock Trail, Sanford

2 Beds 2 Baths Acreage & Unrec SubDv. 32776 Zip Code
One or more photo(s) has been virtually staged. PRIVACY, ELEGANCE, AND SELF-RELIANCE: Enveloped in the lush tableau of Sorrento's landscape, 24136 Harbeck Lane is a beacon of rustic elegance and modern sophistication. This sprawling estate marries the tranquility of pastoral living with the assurances of modern sustainability, offering a rare blend of privacy and self-reliance.The heart of the estate, a main residence painted in serene blues and accented with natural stonework, welcomes you into a space of contemporary comfort. Its interiors are a showcase of brightness and warmth, with an open-plan living area that offers panoramic views of nature's artwork. The kitchen, a marvel with its top-tier appliances and granite countertops, promises culinary delights and seamless entertainment.The property extends its embrace to include charming tiny houses amidst the woods, perfect for guest accommodation or tranquil retreats, and practical RV ports for the nomadic at heart. A bountiful garden area and a quaint chicken coop are homages to sustainable living, complemented by the gathering space around a fire pit under a canopy of trees and lights.For leisure and relaxation, a strategically placed pool under a pergola stands ready, while the robust 13 Kw diesel generator ensures uninterrupted comfort, powerfully silent in its operation. Two artesian wells, coupled with an emergency water tank, secure an independent whole-home filtered water supply, highlighting the estate's resilience.Located just a stone's throw from the heart of Sorrento and only 15 minutes from historic Mount Dora, this property offers both seclusion and community, a testament to the lifestyle potential here. The Matterport 3D Virtual and fly-through property tours invite you to navigate through this Floridian paradise, experiencing the seamless integration of luxury, comfort, and preparedness that makes 24136 Harbeck Lane a true haven for discerning residents.

24136 Harbeck Ln Lane, Sorrento

4 Beds 4.5 Baths Woodland Park Ph 8 SubDv. 32824 Zip Code
Welcome to a RARE FIND in the heart of Orlando! Prepare to FALL IN LOVE with this DREAM UPGRADED HOME, complete with an OUTDOOR POOL, nestled in a PARADISE-LIKE setting on a STUNNING CONSERVATION HOME SITE. This magnificent property boasts 4 bedrooms, a spacious office, 4 full baths, a half bath, and an oversized 3 car garage. As you step into this private oasis, you'll be greeted by a sparkling pool and a sprawling covered lanai with a fully equipped outdoor kitchen, perfect for entertaining. One of the standout features of this exceptional home is its complete privacy, as there are no rear neighbors thanks to the HOA conservation area in the back. Built in 2022 by the current owners, who are the sole proprietors of this home, every inch of this residence has been thoughtfully upgraded and meticulously maintained. With 2,921 square feet of living space and a total of 3,869 square feet, this home offers an OPEN FLOOR PLAN that creates an inviting and spacious atmosphere. The high ceilings and multiple upgraded tray ceilings, combined with large glass sliders that overlook the lanai and private heated pool, flood this home with natural light, making it feel incredibly open and comfortable. This home is perfect for those who love to entertain, with the family room and kitchen seamlessly opening up to the private pool area and large lanai, complemented by a large fenced backyard. The heart of this home is the Gourmet chef's kitchen, featuring quartz countertops, real wood cabinets, a built-in Samsung oven and microwave, a Samsung refrigerator, a gas range cooktop, and a beautiful matching hood vent, and the insulated attic. Additional features include a Samsung dishwasher and custom cabinet storage in the pantry, along with a spacious breakfast bar that offers extra seating. Adjacent to the kitchen is the custom-built laundry room, complete with a Samsung front loader washer and dryer. Every bedroom in this remarkable home boasts its own private ensuite bathroom, ensuring comfort and convenience for all. The triple split floor plan provides maximum privacy throughout the house. Conveniently located close to the City of Orlando, this home offers easy access to shopping, coffee shops, and movies. Moreover, it's just a short 20-minute drive to the Orlando International Airport, with the major Central Florida theme parks and vacation destinations not much further. You'll also enjoy easy access to multiple major highways, including 528, 417, the FL Turnpike, and I-4. Don't miss out on this opportunity to own a truly exceptional home in the heart of Orlando. COME FALL IN LOVE with your own piece of paradise!

1054 Pando Loop, Orlando

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