MENU
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GET PRE-APPROVED FOR THIS PROGRAM TODAY »
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HAVE A QUESTION? MESSAGE US TODAY »
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WELCOME, HERO!
This is your resource center — packed with tools, checklists, and guidance to help you navigate every step of the homebuying process.
Remember, you're not alone! We are here to support you from start to finish.
YOU'VE GOT THIS!
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« Exit the Hero Vault and return to the Hometown Heroes HQ Page
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You can use the following link to register for a free online course. When completed, please provide the certificate of completion to your loan processor or loan originator.
GET HOMEBUYER EDUCATION NOW »
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When completed, please provide the certificate of completion to your loan processor or loan originator.
DOWNLOAD CERTIFICATION FORM »
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Part of having a smooth lending experience is getting a head start on gathering your financial documents.
Click to download a free document checklist and get these documents together in one place.
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To qualify for the Florida Hometown Heroes Program, the total income for all applicants must be at or below the maximum limit for the county where your new home is located.
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NOTE: VETERANS & ACTIVE DUTY MILITARY MUST REMAIN WITHIN THE COUNTY INCOME LIMITS.
VETERANS MUST BE EMPLOYED FULL-TIME BY A FLORIDA EMPLOYER.
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Veterans enjoy special program benefits and an easier path to assistance. Eligibility for the program is easier, and when you combine the Hometown Heroes Program with your VA Home loan benefit, the amount of assistance you'll need is less.
Many Veterans purchase their homes with zero down payment, and simply use the Hometown Heroes assistance to cover their closing costs.
Qualifying veterans will receive at least $10,000 in assistance toward closing costs. If your assistance exceeds your closing costs, you may not receive any excess amount as cash at closing.
When qualifying, veterans:
✅ Do not need to be a first-time homeowner.
✅Must work full-time for a Florida business
📌Your total income must be within the income limits for your county.
Active-duty service members are automatically eligible for the program; however total applicant income must remain within the guidelines for your county.
👍 Be sure to use the CALCULATORS to double-check your income against your county limits. »
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VETERANS DOCUMENT CHECKLIST
Get prepared today, by gathering these documents before you apply.
OTHER RESOURCES:
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DEREK BISSEN
NMLS# 365627
MORTGAGE LOAN ORIGINATOR
FLORIDA HOMETOWN HEROES PROGRAM EXPERT
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MEET YOUR LOAN ORIGINATOR
A Tampa native, Derek has been banking and financing for over 25 years. Derek's expertise and depth of knowledge in the mortgage and financial services industry is unparalleled. He is a creative loan structurer and specializes in working with homebuyers of all experience levels.
He is also professional saxophonist, marketing specialist, videographer, visual artist, Star Trek/ Sci-Fi fan, comic book collector and sports car enthusiast.
If you're looking for a reliable and trustworthy mortgage expert, contact Derek today to learn more about how he can help you achieve your financial goals.
OTHER LINKS:
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FLORIDA BUSINESS OWNERS & HUMAN RESOURCE SPECIALISTS: Employee homeownership lowers attrition and boosts employee pride in their communities and workplace. Book a seminar today with your staff, and let us show your employees how to become a homeowner with little or no money down.
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RESIDENTIAL BUILDERS IN FLORIDA: Increase your pool of eligible buyers by offering them the ability to close with little or no money down
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REALTORS – Start selling more homes today! We host lunch and learn seminars to help you understand this powerful program!
This is not a commitment to lend. Not all borrowers will qualify for the loan programs listed. All program terms and conditions are subject to change and may be discontinued without prior notice. Contact loan originator for program questions and scenarios.
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