Find your Dream Home!

Florida Hometown Heroes Program

Starts August 18th, 2025

How does the program help?

  • For first-time homebuyers who have not owned a home for the past 3 years, are income-qualified, this program provides down payment and closing cost assistance so they can purchase a primary residence in the community in which they work and serve. 

Program Details:

  • Eligible workers can receive lower than market rates on an FHA, VA, RD, Fannie Mae, or Freddie Mac first mortgage, reduced upfront fees, no origination points or discount points, and down payment and closing cost assistance.
  • You can receive up to 5% of the first mortgage loan amount (maximum of $35,000) in down payment and closing cost assistance.
  • A minimum of $ 10,000 would be provided to the program.
  • For the down payment and closing cost assistance, you are able to receive this in a 0%, non-amortizing, 30-year deferred second mortgage. This means no monthly payments for this second loan are required!  This second mortgage only becomes due and payable, in full, upon sale of the property, refinancing of the first mortgage, if the homeowner no longer occupies the property as his/her primary residence and transfer of deed.  The Florida Hometown Heroes loan is not forgivable.
  • If you take advantage of this program, you could still receive seller concessions to cover your closing cost.

 Requirements 

Examples of professionals that qualify

 Income and purchase price limits 

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New Listings to Market

$535,000
4 Beds 3 Baths Lakeview Pointe/Horizon West P SubDv. 34787 Zip Code
Located in the vibrant Lakeview Pointe community within Horizon West, this model-like 4-bedroom with a 2-car detached garage perfectly combines the best location with sophisticated style. Positioned across from the neighborhood pool, splash pad, playground, fitness center, park and central mailboxes, the property welcomes you with a manicured lawn, mature landscaping and a charming covered front porch. Inside, the light-filled, open-concept layout features neutral wood-look tile flooring and a chef-inspired all-white kitchen equipped with quartz countertops, crown-molded cabinetry, stainless steel appliances and a spacious island breakfast bar. A highly convenient downstairs guest bedroom offers ideal accommodations for visitors or multi-generational living, while the upper level hosts a versatile loft space alongside the primary suite complete with tray ceilings, dual vanities and two walk-in closets. You have a direct view to DISNEY FIREWORKS from the primary bedroom and bathroom. Step outside to unwind on the screened and paved lanai, your own pest-free outdoor retreat. Positioned less than 10 minutes from Walt Disney World, residents have a dedicated neighborhood fireworks viewing station. Everyday convenience is unmatched with Hamlin Town Center featuring Publix, Target, Cinepolis Luxury Cinemas and top-tier dining just minutes away. Popstroke Golf and the renowned Orange County National Golf Center are close by, plus effortless commuting via SR-429. Low HOA and No CDD, the community covers lawn care, irrigation, mulching and all of the resort-style amenities. Fun food trucks come to the neighborhood every third Wednesday of the month. You may also enjoy scenic biking and walking trails and a COMMMUNITY DOCK with access to Huckleberry Lake, delivering an elevated, lock-and-leave lifestyle.

7179 Spring Park Drive, Winter Garden

$475,000
3 Beds 2 Baths Debary Plantation SubDv. 32713 Zip Code
Virtually Staged. WELCOME TO FLORIDA LIVING AT ITS FINEST! Located in the highly desirable gated community of Fairway Hills in DeBary Plantation, this CLEAN and lovingly cared for home offers three-bedrooms, two-baths and sits on a spacious corner lot offering a wonderful combination of style, comfort, and easy Florida living. From the moment you arrive, you'll appreciate the circular paver driveway, tile roof, and beautifully refreshed tropical landscaping, complete with new plantings, mulch, concrete curbing, and landscape lighting. The home is bright and airy, featuring an open floor plan with a spacious central living area that is perfect for entertaining family and friends. The remodeled kitchen is a true highlight, offering granite countertops, a range oven and 2 wall ovens, abundant cabinetry, stainless-steel appliances, a striking backsplash, breakfast bar, and a brand-new refrigerator. The generous primary suite provides a peaceful retreat with a beautiful bathroom featuring dual vanities ,a walk in shower and a relaxing garden tub. Two additional bedrooms offer plenty of space for family and guests. One guest bedroom features a charming window seat with three built-in storage compartments—perfect for blankets, linens, or everyday storage. Step outside to the completely rebuilt screened lanai, featuring a new cage, screening, and pavers, creating an inviting space to enjoy the beautifully landscaped surroundings. Numerous additional improvements provide peace of mind, including a replaced AC 2020, new hot water heater 2024, fresh interior and exterior paint, cleaned tile roof, new outlets and switches, and new door hardware throughout. The irrigation system has also been extensively upgraded with new controls, valves, and timers and utilizes reclaimed irrigation water. Life in Fairway Hills offers an added level of convenience. The HOA includes lawn service, including mowing, edging, blowing, and chemical fertilization, as well as maintenance of the community gates. Tennis and pickleball courts are also included. Residents may additionally choose Club memberships at DeBary Country Club, with golf and social memberships available. Social membership amenities include access to the pool, fitness center, tennis and pickleball facilities at the Club House, dining, and a wonderful setting for meeting friends and neighbors. Beautifully maintained, extensively updated, and located in one of DeBary's most desirable communities, this home is truly move-in ready and offers the relaxed Florida lifestyle you've been looking for. Come see it for yourself!

367 Foxhill Drive, Debary

$749,900
4 Beds 3 Baths Reserve At Harbour Isle-Replat One SubDv. 32750 Zip Code
Welcome to 450 Harbour Isle Way, a beautifully renovated 4-bedroom, 3½-bath residence in one of Longwood’s most desirable family-friendly neighborhoods. Thoughtfully updated from top to bottom, this move-in-ready home blends flexible living spaces, modern finishes, and smart-home convenience. The main living area features soaring vaulted ceilings and an open-concept layout that feels bright, spacious, and practical for both daily living and entertaining. At the center of the home, the chef’s kitchen offers custom cabinetry, premium countertops, and beautiful hardwood flooring that continues through the main living spaces. The spacious owner's retreat is a true private sanctuary, complete with dual walk-in closets, an oversized spa-inspired shower, and a relaxing Jacuzzi soaking tub. Upstairs, the versatile fourth bedroom offers endless possibilities. With its own full bath, walk-in closet, and dedicated heat pump, it's ideal as a second primary suite, guest retreat, home theater, bonus room, or private office. Modern comfort is built into the home with smart locks, a smart thermostat, Philips Hue lighting, and Ring security cameras. Built-in surround sound serves both the interior and outdoor living areas, supporting seamless everyday enjoyment and effortless entertaining. Practical upgrades add meaningful convenience, including a full wet bar, new GE Tower washer and dryer, EV charging station, buried 250-gallon propane tank, and exterior 240-volt hookup for a future hot tub. Select furnishings, televisions, and appliances are included, helping simplify the transition for the next owner. With refined finishes, integrated technology, flexible bedroom options, and valuable included upgrades, this home offers a polished, functional living experience in a highly sought-after Longwood setting.

450 Harbour Isle, Longwood

$205,000
3 Beds 3 Baths Grove Resort And Spa Hotel Condominium 22019039615 SubDv. 34787 Zip Code
The lowest-priced 3-bedroom/3-bath on a higher floor at The Grove Resort & Water Park! This 5th-floor corner unit is the largest "Sable" model in the community, offering 1,544 sq ft with an open living/dining/kitchen area, a separate in-unit utility/laundry room, and a screened balcony. The kitchen features stainless steel appliances and granite counters. The primary suite includes an extra sitting area/solarium with direct balcony access, a bath with double sinks, a separate shower and soaking tub, and a large walk-in closet with a safe. Each bedroom includes a flat-screen TV. This condo-hotel offers an in-house hotel rental program that generates income to offset the cost of ownership — an ideal opportunity to own an Orlando/Disney-area vacation home just 6 miles from Walt Disney World. Resort amenities are exceptional. Surfari Water Park features the FlowRider Double Surf Simulator (one of only a few double units in the U.S.), dual water slides, a 695-foot lazy river, a zero-entry pool, and a kids' activities pool. The Springs Pools offer three full-sized pools, an oversized hot tub, a splash area, and private cabanas. Lake Austin provides catch-and-release fishing, watersports, and a lakeside pier overlooking the nature preserve. Additional amenities include a 24-hour fitness center, Flip Flop's Fun Center with a glow-in-the-dark indoor mini golf course and arcade, and a Kids' Activity Center. Dining options abound: The Springs Bar & Grill for relaxed poolside dining, Longboard Bar & Grill overlooking the FlowRider, Alfresco Market for outdoor cafe seating, and DYVE at The Terraces above the upscale pool area. The resort also offers daily transportation to Walt Disney World, Universal Orlando, and SeaWorld, plus complimentary resort-wide Wi-Fi. A rare chance to own a turnkey resort residence in one of the Orlando area's premier destinations.

14501 Grove Resort Avenue Unit 2542, Winter Garden

$239,900
2 Beds 2 Baths Lake Woodward Cove SubDv. 32726 Zip Code
NEW IMPACT WINDOWS 2026, NEW ATTIC INSULATION 2026, UPDATED COTTAGE FEEL STYLE KITCHEN WITH BEAUTIFUL QUARTZ CONTERTOPS 2024, NEW HVAC IN 2025. Discover this beautifully updated 2-bedroom, 2-bath gem in the Shores of Lake Woodward, a peaceful townhouse community nestled along a stunning 80-acre spring-fed lake. From the moment you step inside, you’ll appreciate the fresh, comfy feeling. With 1,194 square feet of living space. This charming home feels spacious with its vaulted ceilings and open dining and living areas. The home features a new HVAC (2025), fresh finishes throughout. The kitchen updated in 2024 with quartz countertops, new range, new dishwasher and painted cabinets, with ample storage, including a pantry and island with cabinets and drawer storage. Spacious living areas are filled with natural light, creating a warm and inviting atmosphere. Both bathrooms have been tastefully refreshed, complementing the home’s clean, move-in-ready appeal. A lanai (sunroom) that is climate-controlled, looking out to a gated paver patio and garden making it a delightful space to enjoy. Outside, enjoy the manicured yard and a neighborhood that feels like a retreat. Conveniences surround this community of 43 lake access/front homes. Only 1 street with easy access to 441 shopping, restaurants, church, banking facilities, Christian school, children’s park & tennis courts. Residents can enjoy the community dock and gazebo by the spring-fed lake, a great spot for boating, tubing, fishing, or simply relaxing to watch breathtaking sunsets over the crystal-clear water. This home offers the perfect blend of comfort, thoughtful updates, within a small community. Additional notable features include new class A impact windows saving $ on homeowner insurance, energy costs and reducing outside noise. New storm door was added in 2025, new 15 inches of insulation to attic space. a walk-in primary bedroom closet and a linen closet. Fresh Sherwin Wiliams paint in kitchen, dining room and living room. This is a rare find in the historic town of Eustis at Lake Woodward Cove, just minutes from downtown Eustis and 10 minutes from downtown Mount Dora, both offering a variety of dining, shopping, and entertainment options, and less than an hour from Orlando attractions. Sold “as is” with right to inspect.

15 Cove Lane, Eustis

$525,000
3 Beds 3 Baths Lexington Club SubDv. 32712 Zip Code
Welcome to 2024 Sawgrass Drive, where lush landscaping, exceptional privacy, and resort-style outdoor living come together in a truly special Apopka home. Set within a beautifully established landscape recognized by the National Wildlife Federation as a Certified Wildlife Habitat, this home offers a peaceful setting that feels like your own private Florida retreat. Inside, the light-filled floor plan features soaring ceilings, expansive windows, multiple living and dining spaces, and an open second-floor overlook that adds to the home's spacious feel. The kitchen offers granite countertops, abundant cabinetry, graphite gray appliances, a breakfast bar, and a casual dining area overlooking the backyard and pool. Multiple gathering spaces provide plenty of flexibility for entertaining, relaxing, working from home, or accommodating guests. Step outside and you'll quickly see what makes this property stand apart. The screened pool and covered outdoor living area are surrounded by mature tropical landscaping, creating exceptional privacy and a wonderful setting for year-round Florida living. A new pool heater was installed in 2022, extending the enjoyment of the pool throughout the year. Beyond the pool, discover even more outdoor spaces, including an additional deck and firepit area, fish pond, nightscaping, and wildlife-friendly gardens that make the property just as inviting after sunset. Important updates include a HVAC system in 2022, new pool heater in 2022, and roof replaced in 2017. The home also features a hardwired whole-house security system covering the doors and windows. The attached two-car garage includes a workshop area and storage cabinetry, providing valuable additional functionality. Conveniently located with quick access to SR-429, the home provides easy connectivity throughout Central Florida. Enjoy being just minutes from the Apopka Amphitheater, shopping, dining, and medical facilities, with Downtown Orlando approximately 25–30 minutes away and Orlando International Airport approximately 35–40 minutes away. From the lush Certified Wildlife Habitat and beautiful nightscaping to the private pool, firepit deck, fish pond, flexible living spaces, and significant mechanical improvements, 2024 Sawgrass Drive offers a combination of privacy, character, outdoor living, and everyday convenience that is increasingly hard to find.

2024 Sawgrass Drive, Apopka

$949,000
5 Beds 4 Baths Groveland Farms 32-22-25 SubDv. 34736 Zip Code
How many boxes does this home check for you? A custom-built home, on a ONE ACRE LOT with a PRIVATE GATE, and FULLY FENCED FRONT AND BACK YARDS.  FIRST FLOOR PRIMARY SUITE with a remodeled primary bathroom.  SOLAR HEATED POOL and SPA with a large shaded lanai and SUMMER KITCHEN.  OVERSIZED two-car attached garage and TWO-CAR DETACHED GARAGE with storage room and carport!  NEW ROOF. NO HOA FEES.  NO CDD FEES. Ready to hear more?  There is so much to love about this estate home in unincorporated Lake County.  The first floor primary suite has a remodeled bathroom, dual closets, and a tray ceiling with crown molding.  The second bedroom on the first floor would make a great office or guest room.  Downstairs is another full bathroom with a walk in shower which is easily accessible from the pool.  Full laundry room downstairs. The living room has soaring TWENTY-FOOT CEILINGS, a large picture window overlooking the pool, a propane fireplace, crown molding, and a dazzling chandelier in the entryway.  The CHEF's KITCHEN has a WALK-IN PANTRY, two kitchen islands with onyx-galaxy granite counters, a GAS COOKTOP, a vent hood, a wine refridgerator, and lots of natural light. Upstairs you have a total of three large bedrooms and two full bathrooms, one of which is an en suite. There are walk in closets and linen closets throughout for plenty of storage.  OUTSIDE you have a huge covered lanai, a screened-in, solar-heated pool and spa, and a summer kitchen that runs on propane. 50 AMP RV Outlet.  Lime trees, moringa plants, and a loquat tree.  The SUNSET VIEWS are stunning as the backyard faces WEST. You're surrounded by other residential homes so your views are protected.  Here you can find the peace and quiet of country living while only being ten minutes from Downtown Historic Clermont's Montrose Street and the Waterfront Park on LAKE MINNEOLA.  It's about a fifteen minute drive to the Florida Turnpike.  You're less than three miles from the closest PUBLIX Grocery Store. Twenty-five minutes to COSTCO!  Swiss Fairways 18-hole public golf course AND Swiss Waterski Resort are right around the corner.  Not to mention only 30 MILES TO WALT DISNEY WORLD THEME PARKS! ROOF 2023 (home and detached garage). Electric WATER HEATER 2023. SOLAR WATER HEATER FOR POOL 2024. NEW POOL PUMP AND FILTER 2023.  LVP FLOORING DOWNSTAIRS 2023. You've got to experience this home for yourself. Schedule a tour today!

12901 Phillips Road, Groveland

$265,000
1 Beds 1 Baths Solaire/Plaza Condo SubDv. 32801 Zip Code
STUNNING COMPLETELY UPGRADED CONDO IN DOWNTOWN ORLANDO with a generaous concession toward closing costs for the buyer. Welcome to this meticulously renovated and beautifully designed condo, located in one of Downtown Orlando's most coveted high-rises, Solaire at the Plaza. This seller is sacrificing the pricepoint on this beauty every inch of this space has been thoughtfully upgraded to deliver the perfect blend of modern luxury and comfort. As you step inside, you’ll be greeted by an open-concept living area, flooded with natural light from the expansive floor-to-ceiling windows that provide breathtaking views of the city skyline. Fully automated window coverings allow as much light as you desire, while also blocking all the light if you prefer. The gourmet kitchen is a chef’s dream, featuring top-of-the-line appliances, sleek countertops, and custom cabinetry. The spacious living and dining areas are ideal for entertaining or relaxing, with high-end finishes throughout and every detail masterfully thought of. The bedroom suite is your personal sanctuary, complete with a spacious custom walk-in closet and a spa-like modern en suite bathroom offering top of the line finishes including an italian toilet, impressive open modern shower and heated towel rack. This condo also includes modern conveniences such as smart home technology, premium porcelain tile flooring, and designer lighting. Enjoy the building's exceptional amenities, including a state-of-the-art fitness center, rooftop pool, concierge services, and secure assigned parking with facial recognition entry for added around the clock security. This condo is ready for you with NO upgrades needed and location.. location.. location. In the heart of Downtown Orlando, you are steps away from dining, shopping, entertainment, and cultural attractions, all while enjoying the peace and privacy of high-rise living. You are steps away from an Orlando Magic game, Orlando City Soccer game or your favorite Broadway show at the Dr Phillips Center for Performing Arts. This stunning condo offers the best in urban living, don't miss the chance to make this your new home! If you dream of your spectacular Condo with a spectacular view, dont wait!

155 S Court Avenue Unit 2111, Orlando

$475,000
3 Beds 2 Baths Crown Point Spgs SubDv. 34787 Zip Code
Welcome to a home where the Florida lifestyle takes center stage. Tucked within the established Crown Point Springs community on a spacious corner lot, this is the kind of place where mornings start slowly, weekends are spent outside, and some of Winter Garden’s favorite destinations are just minutes from home. The backyard is truly where this home comes to life. Start your morning with coffee on the lanai overlooking the backyard, pick fresh fruit from your own fruit trees, and spend the afternoon floating in the screened-in pool. The fenced yard adds another layer of privacy and functionality, while the pool enclosure creates a space made for everything from quiet afternoons with a book to weekend barbecues with family and friends. It’s easy to imagine the rhythm of life here—music playing by the pool, dinner on the patio, kids or pets enjoying the fenced yard, and evenings winding down with a drink overlooking the water. Inside, comfortable gathering spaces make everyday living just as enjoyable. The kitchen offers plenty of countertop space, stainless steel appliances, and a tiled backsplash, whether you're making a quick breakfast before heading downtown or preparing dinner for a house full of friends. When cooler Florida evenings arrive, the wood-burning fireplace creates the perfect setting for a cozy night at home. The home has also benefited from a number of improvements over the past several years, including a 2024 roof and HVAC system, 2023 water heater and microwave, 2024 dishwasher, and 2021 pool pump. The pool was also resurfaced in 2022, and the interior was painted in 2021. But what the owners have loved most extends beyond the property itself. Crown Point Springs is a great community with friendly neighbors, a low HOA, and golf-cart accessibility, all while being close to the heart of Downtown Winter Garden. That means weekends don't have to involve much planning. Take the golf cart out for a ride, spend Saturday morning exploring the Downtown Winter Garden Farmers Market, grab brunch or browse the shops along Plant Street, or hop on your bike for a ride along the West Orange Trail. After your nearby activities, head home for an afternoon by your own pool. It's a lifestyle that gives you the best of both worlds—the energy and charm of Winter Garden when you want it and your own private retreat when you're ready to come home. Pool days, golf-cart rides, and Plant Street nights—this is the Winter Garden lifestyle you've been waiting for.

1009 Spring Loop Way, Winter Garden

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