What line of work are you in?

Only ONE borrower needs a qualifying job — your co-borrower can work in any field.

The employer test

Do you work full-time for a Florida-based employer?

Full-time means 35+ hours a week. Active-duty military automatically passes this one.

Your estimate is fine

How’s your credit looking?

The program needs a 640 minimum score — no pull happens here, just your best guess.

The first-time buyer rule

Have you owned a home in the last 3 years?

You don’t have to be a first-EVER buyer — 3 years without owning resets the clock. Veterans are exempt entirely.

Almost done

Roughly what’s your household income?

Limits vary by county (about 150% of the area median) — a ballpark tells me where you stand.

One more

When are you hoping to buy?

Hometown Heroes funds are first-come, first-served each year — timing matters.

Last step

Where should I send your eligibility answer?

I’ll check your scenario against the current FL Housing rules and reach out personally — usually same day.

First name Last name

Email Mobile phone County you want to buy in (optional — income limits are set per county)

✓

You're in good hands, there.

Here's what I've got. I'll verify your Hometown Heroes eligibility and reach out shortly.

Already ready to go? You can start your full application right now through our secure, verified portal — that's where any sensitive details are handled safely. Nothing sensitive is collected on this form.

Start my full application now →

🔒 No SSN, no credit pull, no documents on this form — by design. Equal Housing Lender.