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Who Qualifies? 2025 Eligible Occupations

In 2025, the Florida Hometown Heroes Mortgage Program has reaffirmed its commitment to supporting frontline and essential workers. Here’s the official list of approved occupations qualifying for up to $35,000 in down payment and closing cost assistance:

🔹 First Responders & Public Safety

  • 911 Public Safety Communicators

  • Firefighters

  • Law Enforcement Officers (sworn, probation, correctional, juvenile)

  • Emergency Medical Technicians (EMTs) & Paramedics

  • Juvenile Detention Officers / Probation Officers

  • Federal sworn law enforcement

🔹 Health Care Professionals

  • APRNs, RNs, LPNs, CNAs, Nurse Midwives, Nurse Anesthetists

  • Clinical Nurse Specialists, Clinical Social Workers

  • Licensed Practical Nurses

  • Medical Assistants, Dental Assistants, Dental Hygienists

  • Pharmacists, Pharmacy Technicians

  • Physical, Occupational, Respiratory, Speech-Language, Radiologic Therapists/Technologists

  • Physicians, Physician Assistants, Anesthesiologists, Psychiatrists, Psychologists

  • Chiropractors & Chiropractic Assistants

  • Massage Therapists, Genetic Counselors, Dietitians/Nutritionists

  • Audiologists, Optometrists, Opticians, Hearing Specialists

  • Home Health Aides, Blood Gas Analysts, Lab Directors/Technologists

🔹 Educators & Childcare

  • Classroom Teachers (K–12), School Counselors, Psychologists

  • Librarians / Media Specialists

  • Childcare Instructors & Operators

  • Career Specialists (educational support roles)

🔹 Military & Veterans

  • Active-Duty Military Personnel

  • Veterans & Surviving Spouses of Veterans

🔹 Additional Essential Roles

  • Assisted Living Administrators, Nursing Home Administrators

  • Athletic Trainers

  • Veterinarians, Veterinary Assistants/Technicians

  • Orthotists, Prosthetists & Assistants

  • Acupuncturists

(Note: This is a summary of the 56 approved occupations; exact titles and certification requirements are provided in the official list.) 


🏡 Why These Roles?

These occupations are critical to community welfare—delivering health care, safety, education, and essential services. By channeling support to these fields, the program reinforces the backbone of local communities across Florida.


🧾 Certification & Licensing Requirements

Many of these professions require valid Florida licenses or certifications—especially medical, therapeutic, and childcare roles. Applicants must provide documentation proving licensure where applicable.


✅ Eligibility Essentials

To participate, applicants must:

  1. Be first-time homebuyers, meaning no homeownership in the past 3 years.

  2. Work full-time (35+ hours/week) for a Florida employer (one borrower qualifies). Veterans using VA loans are exempt. 

  3. Meet credit and income limits (minimum 640 credit score; income ≤150% AMI).

  4. Plan to make the home their primary residence.


⚠️ Updated for 2025

The 2025 cycle officially reaffirms and published the detailed occupation list, ensuring clarity for eligible applicants. The inclusion of licensing requirements underlines the program’s focus on certified public service roles.


📝 What You Should Do Next

  • Check your job title against the official list.

  • Gather proof of licensure or certification for applicable roles.

  • Confirm full-time employment with a Florida-based employer.

  • Prepare homebuyer education certification, unless exempt.

  • Monitor program launch (typically mid-year) and connect with an approved lender to apply early.


🌟 Final Thought

If you serve Florida communities in any of the above roles, the 2025 Hometown Heroes Program could offer a powerful boost toward your first home—up to $35,000 in assistance with no monthly payments. This targeted benefit recognizes and honors your service, making homeownership a reality for those who give back the most.

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