Turn Your Rent Into a Mortgage: Unlock the Florida Hometown Heroes Program Today

Imagine owning a home in Poinciana, Kissimmee, or Davenport — with little to no money out of pocket. If you're a first-time homebuyer, frontline worker, or Florida resident stuck in the rent cycle, the Florida Hometown Heroes Program could be your golden ticket to homeownership in 2025.

Why Now? Because These Funds Won’t Last Forever.

The Hometown Heroes Program is funded by the state, and once the allocated budget runs out, that’s it. No second chances. Acting now could mean owning your dream home with up to $35,000 in down payment and closing cost assistance.

What Is the Florida Hometown Heroes Program?

The Florida Hometown Heroes Housing Program was created to help essential workers and first-time homebuyers afford their first home by covering the steep costs of entry — mainly down payment and closing costs.

Key Features:

• 🏡 Up to $35,000 in down payment & closing cost assistance

• 💸 0% interest, deferred second mortgage

• 🛠️ Available to teachers, nurses, first responders, military, and more

• 📍 Works with FHA, VA, USDA, and conventional loans

• ✅ Available in Poinciana (ZIPs 34759 & 34758), Kissimmee, and Davenport

Who Qualifies for the Hometown Heroes Program?

If you're a renter living in Central Florida, there's a good chance you're eligible.

Eligibility Checklist:

• Florida resident

• First-time homebuyer (haven’t owned a home in 3 years)

• Employed full-time (35+ hours/week)

• Work in an approved occupation (healthcare, education, public safety, etc.)

• Credit score of 640+

• Income below county limit (varies by location)

🔗 Check if you qualify →

How Much Can You Actually Receive?

Qualified buyers can receive up to 5% of the loan amount, capped at $35,000, in the form of a 0% interest, non-forgivable second mortgage — due only when you sell or refinance.

Example:

• Home price: $325,000

• Loan: $310,000

• 5% of $310,000 = $15,500 in down payment help

💥 That’s potentially $15,000–$35,000 you don’t need to save upfront — a game-changer for renters trying to break into the market.

Why Rent When You Can Own?

If you’re paying $1,800–$2,300/month in rent in Poinciana, Kissimmee, or Davenport, you’re already covering a mortgage — just not your own.

Renting vs Owning in 2025:

Owning isn't just about pride — it's about stability, wealth building, and freedom. The Hometown Heroes Program helps make that transition happen faster than ever.

Why Bernard Jackson Is the #1 Realtor to Guide You

✅ Local Expertise, Personalized Service

With over 9 years of licensed experience and deep roots in the Poinciana and Kissimmee communities, Bernard Jackson knows exactly how to pair buyers with the right lenders, homes, and programs — especially when using Florida Hometown Heroes funds.

• Specializing in 34759, 34758, 34744, 34741, 33837, and 33896

• Works with top local lenders who prioritize renters using this program

• Can connect you with homes under $400K that qualify for Hometown Heroes

• Offers white-glove service from pre-approval to closing

🔗 Schedule your free homebuyer strategy session

Where Can You Buy with Hometown Heroes Funds?

The Florida Hometown Heroes Program can be used for primary residences only — including single-family homes, townhomes, and condos.

Explore Affordable Listings:

• 🏘️ Poinciana Homes Under $300K

• 🏘️ Poinciana Homes Under $400K

• 🏘️ Davenport Homes Under $400K

With Bernard Jackson’s help, you can find a home, use the program funds, and move in with less money out of pocket than your next rent deposit.

Client Success Story — From Renter to Homeowner in 60 Days

Maria, a 32-year-old schoolteacher renting in Kissimmee, was paying $2,100/month for a two-bedroom apartment. She never thought she could own — until she met Bernard.

“Bernard walked me through every step. I only needed $1,500 out of pocket to close on my home in Davenport. I couldn’t believe it. I went from renter to homeowner in less than 60 days.”
— Maria P., Kissimmee

FAQs About the Florida Hometown Heroes Program

Q: Is the Hometown Heroes Program forgivable?
A: No. It’s a deferred second mortgage, due when you sell or refinance. But there’s no interest, and no monthly payments.

Q: How long does it take to close using this program?
A: Standard time: 30–45 days. Bernard works with lenders who specialize in this program for faster closings.

Q: What homes are eligible?
A: Any owner-occupied primary residence — no second homes or investment properties.

Q: Do I have to stay in the home for a certain time?
A: Yes — the home must be your primary residence. You cannot sell or refinance immediately without repaying the loan.

Ready to Stop Renting and Start Owning?

Here’s Your 3-Step Path to Ownership:

1. Apply for Pre-Approval
   Bernard connects you with top lenders experienced in the Hometown Heroes Program. You’ll know exactly what you qualify for and how much you can get.

2. Find the Right Home
   Bernard hand-selects listings based on your budget, location, and program eligibility — including off-market properties.

3. Close with Confidence
   From negotiation to keys in your hand, Bernard handles every detail.

Don’t Wait — Program Funds Are Limited

Every day you wait, other buyers are securing these funds and buying homes that could’ve been yours.

📈 Demand is growing. Funding is limited. Rents are rising.

🎯 Let Bernard help you lock in affordable homeownership while the opportunity still exists.

📞 Ready to Buy Your First Home in Poinciana, Kissimmee, or Davenport?

Let’s make it happen. Take advantage of the Florida Hometown Heroes Program while funds are still available — and work with the best local expert who knows how to make your dream a reality.

👉 Schedule a Free Strategy Call Today
👉 Explore Poinciana Listings Under $400K
👉 Find Out What You Can Afford in 34759 or 34758

🔹 About Bernard Jackson — Your Trusted Local Realtor in Poinciana, Kissimmee & Davenport, FL

With over nine years of experience in Florida real estate, I’m Bernard Jackson — a proud Central Florida resident, father, and passionate advocate for helping renters become homeowners. I specialize in guiding families, first-time buyers, and hardworking professionals through one of life’s most important decisions: owning a home.

I didn’t grow up with a silver spoon. I know what it means to work hard, to hustle with heart, and to break generational barriers. That’s why I do this work — because I understand where you’re coming from, and I’m committed to helping you move forward.

Whether you're exploring homes for sale under $300K in Poinciana (ZIP code 34758), searching for new builds in Kissimmee, or considering down payment assistance in Davenport, I bring deep market knowledge, honesty, and a relentless work ethic to every transaction.

I am especially proud to assist those eligible for programs like the Florida Hometown Heroes Program, helping everyday heroes — from teachers to first responders — secure up to $35,000 in assistance toward their dream home.

✅ Why Work with Me?

• I live and work right here in the community I serve.

• I offer personal, one-on-one service — no scripts, no pressure.

• I specialize in helping renters become first-time homeowners.

• I stay up to date on market trends, financing options, and new construction projects across Central Florida.

• I make sure you never miss an opportunity — especially when funding is limited or time-sensitive.

If you’re ready to stop renting and start building equity, let’s talk. Your future begins with a conversation, and I’m here when you’re ready.

Let’s make your dream of homeownership real — together.

📲 Contact me today: bernardsellsflhomes.com/contact