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Get Certified - Florida Hometown Heroes Premier Agent Program

Becoming a Florida Hometown Heroes Partnered Realtor shows your clients that you know how to help them take advantage of Florida's most valuable down payment assistance program, Hometown Heroes.

This starts with understanding that in 2023, all full-time workers for Florida-based employers are eligible for the program, but there are many more helpful details to learn to help get the most assistance for your clients.

Becoming certified takes just 30 minutes, and gives your client's proof of your expertise and ability to help them utilize Florida down-payment-assistance and grants.




Benefits of Becoming a Certified Hometown Heroes Premier Agent

Getting certified in 30 minutes gives you a multitude of career benefits.

  • Expertise in Down Payment Assistance Programs - By becoming certified, you demonstrate a deep understanding of Florida's Hometown Heroes program, which is a key selling point for potential clients. This program, crucially beneficial in 2023, is tailored to full-time workers for Florida-based employers. Your expertise can help clients navigate and maximize this opportunity.

  • Quick Certification Process - The certification process is streamlined, taking only about 30 minutes. This efficiency allows you to quickly gain a valuable credential that enhances your professional profile.

  • Proof of Expertise - Certification provides tangible proof of your skills and knowledge in utilizing Florida down-payment-assistance and grants. This is a strong marketing point when communicating with potential clients who seek knowledgeable realtors.

  • Marketing Support and Visibility - Partnering with MakeFloridaYourHome comes with marketing support, enhancing your visibility in the real estate market. This can lead to a broader client base and more opportunities.

  • Feature on Florida's Leading Mortgage Website - Being featured on Florida's top mortgage website can significantly boost your reach and reputation. This exposure can attract more clients who are looking for expert realtors familiar with local assistance programs.

  • Professional Growth - Becoming a Certified Hometown Heroes Agent aligns you with a reputable program and contributes to your professional growth and reputation in the real estate industry.

  • Networking Opportunities - This partnership can open up networking opportunities with other realtors, financial institutions, and potential clients, further expanding your professional network.

  • Increased Client Trust and Satisfaction - Your certification and partnership can increase trust among clients, knowing that you have specialized knowledge in an area that is directly beneficial to them. This can lead to higher client satisfaction and potentially more referrals.

In summary, partnering with MakeFloridaYourHome as a Florida Hometown Heroes Partnered Realtor offers a blend of professional development, enhanced market presence, and increased trust and satisfaction from clients, all of which are crucial for success in the competitive real estate market.


Realtors celebrating their success in getting certified as Florida Hometown Heroes Premier Agent


Hometown Heroes Information Realtors Need to Know

The Florida Hometown Heroes Program is an initiative that offers down payment assistance to working Floridians with the goal of homeownership. It's not just for frontline heroes; it's open to all gainfully employed Florida residents.

For the 2023-2024 fiscal year, the maximum down payment assistance has been increased from $25,000 to $35,000, with an additional funding boost of $100 million.


Who is Eligible to Participate in the Program?

Eligibility for the Florida Hometown Heroes program includes:

  • First-Time Homebuyer Status - Applicants must not have owned a principal residence in the past three years. Veterans are an exception and can use the program anytime.

  • Minimum Credit Score - A score of at least 640 is required.

  • Income Limitations - Earnings must be less than 150% of the area median income for the applicant's county.

  • Employment Requirement - Must be employed by a Florida-based employer.

  • Home Purchase Location - The home must be in the community where the applicant works and serves.

Changes Effective July 1st, 2023

Key updates from July 1st, 2023, include:

  • Increased Maximum Down Payment Assistance - The cap has been raised to $35,000.

  • Expanded Eligibility Criteria - The program is now open to all working Floridians, not just frontline heroes.

  • Additional Funding Allocation - An extra $100 million has been added to the program's budget for 2023-2024.

Mortgage Options Under the Program

The program offers various mortgage options:

  • FHA Loans - Insured by the Federal Housing Administration, with more lenient credit requirements.

  • VA Loans - Guaranteed by the Department of Veterans Affairs, offering 100% financing and no MIP.

  • USDA Loans - Guaranteed by the USDA, for homes in rural areas, with 100% financing and no MIP.

  • Conventional Loans - Not government-insured, usually requiring at least a 3% down payment.

Additional Information

For more details on the Florida Hometown Heroes Program, including income and loan limits, finding a program lender, Florida tax exemption benefits, and more, realtors can refer to the full resource.

This program is a significant opportunity for realtors to assist their clients in the journey towards homeownership in Florida, particularly for those who make vital contributions to their communities.


Bottom Line

Becoming a Florida Hometown Heroes Partnered Realtor through the MakeFloridaYourHome program is not just a professional credential – it's a commitment to excellence in serving the Florida real estate market.

By obtaining certification, you position yourself as an informed and trusted advisor in one of Florida's most valuable housing assistance programs.

The benefits of this partnership extend far beyond the 30-minute certification process.

  • Expertise in a Crucial Program - Your deep understanding of the Hometown Heroes program, updated for 2023 and beyond, equips you to guide a diverse range of clients, especially full-time workers in Florida, towards successful homeownership.

  • Efficiency and Professional Enhancement - The quick certification process is an efficient way to enhance your professional standing and demonstrate your commitment to staying abreast of significant market developments.

  • Tangible Proof of Your Skills - The certification you receive is a solid testament to your expertise in utilizing Florida's down-payment-assistance and grants, a valuable asset in building client trust.

  • Increased Market Visibility - Partnering with MakeFloridaYourHome offers significant marketing support and a chance to be featured on Florida's leading mortgage website, amplifying your reach and reputation in the industry.

  • Expanding Your Professional Network - This partnership opens doors to numerous networking opportunities, connecting you with other real estate professionals, financial institutions, and a broader client base.

  • Enhanced Client Trust and Satisfaction - Your specialized knowledge in this area directly benefits your clients, fostering higher satisfaction and increasing the likelihood of referrals.

The Florida Hometown Heroes Program, with its recent expansions and funding increases, represents a significant opportunity for realtors to support their clients in a meaningful way.

Understanding and leveraging this program can make a substantial difference in your clients' ability to achieve homeownership, especially in a competitive market like Florida.

As a Certified Hometown Heroes Premier Agent, you become an integral part of your clients' journey to homeownership, contributing not just to their individual success, but also to the strength and vibrancy of Florida communities.

With over 50 years of mortgage industry experience, we are here to help you achieve the American dream of owning a home. We strive to provide the best education before, during, and after you buy a home. Our advice is based on experience with Phil Ganz and Team closing over One billion dollars and helping countless families.

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