Get grants for your Florida mortgage.
Florida offers real down-payment and closing-cost assistance — some of it a true grant you never have to repay. Below are the active programs administered by the Florida Housing Finance Corporation. Warren Factor will match you to the one that fits your file and handle the paperwork start to finish.
Hometown Heroes
Up to $35,000Deferred 0% second mortgage (forgivable)
Community heroes — law enforcement, firefighters, healthcare, educators, military & more
scroll down below for detailsHFA Preferred PLUS (3%)
3% of loan amountForgivable second mortgage — 20%/yr over 5 years
First-time homebuyers using the HFA Preferred conventional first mortgage
Official programHFA Preferred PLUS (4%)
4% of loan amountForgivable second mortgage — 20%/yr over 5 years
First-time buyers needing maximum down payment help
Official programFlorida Assist (FL Assist)
Up to $10,000Deferred 0% second mortgage — not forgivable
First-time homebuyers on FHA, VA, USDA & Conventional loans
Official programFL HLP Second Mortgage
$12,5003% amortizing second mortgage — 30-year term
First-time homebuyers who can carry a small monthly payment
Official programSalute Our Soldiers
Up to $10,000Deferred 0% second mortgage
Active-duty military, veterans & surviving spouses
Official programAssistance amounts, eligibility, and program availability are set by the Florida Housing Finance Corporation and are subject to change. Not every applicant qualifies for every program. This is not a commitment to lend.
Own a Home
With Little Money Down
Hometown Heroes Florida
Get up to $35,000 for your down payment and closing costs — little to no money needed to buy your dream home.
If you work in an eligible service field, this program can get you up to $35,000 in assistance and could help you reach 100% financing on your first home.
Who qualifies?
If you serve your community in any of these fields, the Hometown Heroes program is built for you.
Law Enforcement
Police officers, sheriff's deputies, state troopers & 911 dispatchers
Firefighters
Career, volunteer & department staff
First Responders
Police officers, firefighters, EMTs & emergency personnel
Healthcare Professionals
Doctors, nurses, aides, EMTs, paramedics & hospital staff
K-12 Educators & Staff
Teachers, administrators, counselors & support staff
Childcare Center Employees
Daycare teachers, aides & early-learning center staff
Public Safety, Court & Corrections
Court officers, correctional officers & public-safety staff
Military
Active duty, veterans & National Guard members
Exclusive benefits
Up to $35,000
Use it toward your down payment and closing costs.
Discounted Processing Fee
We'll reduce your loan's processing fee.
Dedicated Support
A smooth process with a team that genuinely cares.
Better Together
Pair low rates with fast closings for even more value.
Your Florida dream home could be 100% financed.
Talk to Warren M. Factor. Contact Warren directly to find out how to get qualified for the Hometown Heroes program.
Warren M. Factor
For nearly three decades, Warren has helped Florida families and investors finance homes, rentals, and commercial properties at rates the big banks rarely match. As founder of The Discount Mortgage Store, he runs every file personally — from first call to closing — with the leverage of a deep lender network behind him.
NMLS #351633. Equal Housing Lender. This is not a commitment to lend. Terms and conditions apply. Program subject to change or cancellation without notice. Other restrictions may apply.