Program highlights
- 3% down conventional and 3.5% down FHA options
- Florida Hometown Heroes down payment assistance eligibility check
- County-level DPA programs across Broward, Miami-Dade, and Palm Beach
- Full breakdown of taxes, HOA, and insurance before you offer
- Coaching on offer strategy and appraisal gap in competitive markets
- Post-close support — annual reviews for as long as you own the home
Who it's best for
- First-time buyers targeting starter homes in Broward or Palm Beach
- Teachers, nurses, first responders, and military using Hometown Heroes
- Recent grads or transplants buying their first Florida condo
- Couples getting married or starting families
Florida-specific
What Florida buyers should know
Florida homestead exemption saves buyers thousands per year in property tax — but you have to file for it. Joann reminds every first-time buyer to file before March 1 of the year after closing.
Frequently asked questions
Do I really need 20% down as a first-time buyer in Florida?+
No. Most first-time buyers close with 3–5% down. 20% avoids PMI but locks up a lot of capital that could stay liquid.
How much are Florida property taxes?+
Roughly 1.0–1.3% of assessed value in most South Florida counties, capped by homestead once you occupy. Joann quotes the real number for the exact address.
What is Florida Hometown Heroes?+
A state-run program offering up to 5% of loan amount (max $35K) as forgivable down payment assistance for eligible frontline workers.
Explore more Florida loan programs
Ready to talk first-time home buyer loans / down payment assistance / doctor loans?
Joann answers her own phone. Get a real quote — no credit pull without your consent, no pressure, no sales script.