Florida Hometown Heroes

The Florida Hometown Heroes Housing Program through the Florida Housing Finance Corporation helps make homeownership more affordable for eligible front-line workers such as law enforcement officers, firefighters, educators, healthcare professionals, childcare employees, and active military or veterans.

The program provides down payment and closing cost assistance to first-time, income qualified homebuyers in an eligible occupation to assist them in the purchase of a primary residence.

A list of the approved occupations can be found below. Please know this list is subject to change. Contact us to confirm eligibility!

911 Public Safety Communicator
Active-Duty Military Personnel
Acupuncturist
Adult Protective Services' Enforcement (DCF)
Advanced Practice Registered Nurse (APRN)
Anesthesiologist
Anesthesiologist Assistant
Assistant Public Defender
Assistant State Attorney
Assisted Living Facility (ALF) Administrator
Athletic Trainer
Basic X-Ray Machine Operator (Radiologic)
Blood Gas Analyst (Laboratory)
Career Specialist (Educator)
Child Protective Services' Enforcement (DCF)
Childcare Instructor
Childcare Operator
Chiropractic Physician
Chiropractic Physician's Assistant
Classroom Teacher
Clinical Nurse Specialist
Clinical Social Worker
CMA
CNA
Correction Officer
Correctional Probation Officer
Dental Assistant
Dental Hygienist
Dentist
Dietetic Technician
Dietician
Electrologist
Emergency Medical Technician (EMT)
Federal Sworn Law Enforcement
Firefighter
General Radiographer (Radiologic)
Genetic Counselor
Hearing Aid Specialist
Hearing Aid Specialist Trainee
Home Health Aide
Juvenile Detention Officer
Juvenile Probation Officer
Laboratory Director
Laboratory Supervisor
Laboratory Technologist
Laboratory Testing Technician
Librarian/Media Specialist (Educator)
Marriage & Family Therapist
Massage Therapist
Medical Assistant
Medical Physicist
Mental Health Counselor
Naturopathic Physician
Nuclear Pharmacist
Nurse Anesthetist
Nurse Midwife
Nursing Assistant (CNA)
Nursing Home Administrator
Nutrition Counselor
Nutritionist
Occupational Therapist
Occupational Therapist Aide
Occupational Therapist Assistant
Optician
Optometrist
Orthotic Fitter
Orthotic Fitter Assistant.
Orthotist
Osteopathic Physician
Paramedic
Pedorthist
Pharmacist
Pharmacy Technician
Phlebotomist
Physical Therapist
Physical Therapist Assistant
Physician
Physician Assistant
Podiatric Physician
Podiatric X-Ray Assistant
Practical Nurse (LPN)
Prosthetist
Prosthetist Orthotist
Psychiatrist
Psychologist
Radiologic Specialty Technologist
Radiologic Technologist
Radiology Assistant
Registered Dietician Or Nutritionist
Registered Nurse (RN)
Registered Nurse Anesthetist
Registered Respiratory Therapist
Respiratory Care Practitioner
Respiratory Therapist
School Counselor
School Psychologist
Social Worker
Specialty Technologist (Radiologic)
Speech Language Audiologist
Speech Language Audiologist Assistant
Speech Language Pathologist
Speech Language Pathology Assistant
Sworn Law Enforcement Officer
Veteran or Surviving Spouse of Veteran
Veterinarian
Veterinarian Assistant
Veterinarian Technician

Conventional & Conforming Loans

Conventional, or conforming loans, are the loan of choice for about 60% of all mortgage applicants. They typically consist of great rates and lower costs. Below are some highlights of this loan program: - Used on primary, secondary & rental properties - Down payments as low as 3% - Down payments of at least 20% include no PMI (private mortgage insurance) Contact us today to determine which loan program you qualify for! We'll work to get you the best loan option possible.

VA Loans

With VA loan programs, the VA helps service members, veterans & eligible spouses become homeowners by offering:

- Competitive interest rates
- No or low down payment options
- No mortgage insurance
- No prepayment penalties

Best Interest Mortgage supports the military & their families. We'll be more than happy to assist you with your mortgage needs.

Also ask us about the streamline interest rate reduction refinance. Only available to VA vets!

FHA Mortgages

With down payment requirements as low as 3.5%, FHA loans can be popular with borrowers. An FHA loan is a mortgage insured by the Federal Housing Administration. Borrowers with an FHA loan pay for mortgage insurance, which protects the lender from loss if the borrower defaults on the loan. This mortgage insurance premium is 1.75% of the loan amount & can be rolled into the loan. FHA loans are great options for those borrowers who: - Require lower down payments - Lower credit score than conventional loans require - First time home buyer - Higher debt-to-income ratios Contact us today to determine if you qualify for an FHA loan (purchase or refinance)!

Jumbo Loans

Jumbo loans are necessary for those buyers & refinances where the loan amount exceeds the county conventional loan limit. Most jumbo loans today require full documentation: income, assets, etc. Jumbo loan requirements will depend on the borrower & situation. Best Interest Mortgage is happy to guide you in moving forward with your jumbo loan! Contact us today for more information!

USDA / Rural Housing

The USDA loan program allows borrowers purchasing a primary residence to obtain 100% financing, including closings costs. Financing up to 102% is available, which includes 2% USDA funding fee, no monthly mortgage insurance, 30 year fixed rates, & no down payment required. Sound too good to be true?! It's not, so contact us today for a free consultation on your mortgage options.

Investor Loans

Used to finance 1-4 family properties that will be for investment with as little as a 20% down payment. These programs are aggressively priced. Program may not be available in some states.

Loan Programs