Free cheat sheet · Orlando first-time buyers
Florida re-opened Hometown Heroes with new funding. Get the free eligibility cheat sheet — who really qualifies (it's your employer, not your job title), the income limits, and the four steps to lock your spot before the money runs out.
Instant download — find out if you qualify in about 3 minutes.
Chad Gibson · Dreamtown Homes Team · "If the smart move is to wait, I'll tell you that too."
The help is 5% of your loan (min $10,000) toward down payment and closing costs — a 0% interest second mortgage with no monthly payment. It's a loan, not a grant.
The #1 reason people miss this money: they assume it's just for firefighters and nurses. It isn't. Eligibility is about who you work for, not your job title — full-time at a Florida hospital, school, fire department, law enforcement, childcare center, the courts, or the military can qualify you, whatever your role. The cheat sheet shows you exactly how to check.
Two pages. Four quick checks. About three minutes.
Funding is first come, first served and expected to last only a matter of months. The cheat sheet lays out the exact order of moves — confirm you fit, get pre-approved with a participating lender, reserve the funds, then find your home — so you don't lose your place in line while you're "still looking."
The full list of qualifying employer categories — and why a cafeteria worker at a hospital counts.
The 150%-of-median cap by county — higher than most people assume. Don't rule yourself out on a guess.
Exactly what you'd be signing: 0% interest, no monthly payment, repaid only when you sell, refinance, or move out. For the right buyer, a fantastic deal — and now you'll know why.
I've lived in Orlando about sixteen years, and before real estate I spent years as an educator — so teaching is still how I work. I'd rather walk you through the decision than talk you into anything. I'm not a lender; I'm the person who helps you see whether this door is really open for you.
And I've been the blindsided first-time buyer. I almost talked myself out of my own first home over a number that turned out to be wrong. That's exactly why this cheat sheet exists — most people who could get this money never even check.
The cheat sheet takes about three minutes. The funding is first come, first served — the people who get it are the ones who move.
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