Florida Hometown Heroes Program
Down Payment and Closing Cost Assistance to First-Time Homebuyers.
Ask us how you can benefit by working with us on your home purchase.
Florida Hometown Heroes Program: Down Payment Assistance for Eligible Homebuyers
At AAA Capital Funding, we are committed to helping you achieve your dream home with a variety of mortgage products tailored to your needs. This section provides detailed information about the Florida Hometown Heroes Program, which offers financial assistance to eligible individuals, including first-time homebuyers and frontline workers.
The Florida Hometown Heroes Program is available across all loan types, including FHA, Conventional, VA, and Non-Conventional mortgages.
Florida Hometown Heroes Program UPDATED 2025 Guidelines and Requirements:
Florida Hometown Heroes Program 2025
Presented by Jason J. Sarji – AAA Capital Funding, Inc.
The Florida Hometown Heroes Program is a state initiative that helps first-time homebuyers and essential workers afford homeownership by providing significant down payment and closing cost assistance. AAA Capital Funding is proud to help Florida residents access these benefits and guide them through every step of the process.
Program Overview
- Provides down payment and closing cost assistance in the form of a 0% interest, 30-year deferred second mortgage.
- Assistance is equal to 5% of the first mortgage loan amount, capped at $35,000.
- Minimum assistance: $10,000.
- The assistance is not forgivable. It must be repaid when the property is sold, refinanced, transferred, or at the end of 30 years.
Eligibility Requirements
- Must be a first-time homebuyer (not owned a home in the last 3 years). Veterans are exempt from this requirement.
- At least one borrower must work full-time for a Florida-based employer in an eligible occupation.
- Remote employees are not eligible. Hybrid workers qualify only if they work in a Florida-based physical location.
- Borrowers must occupy the home as their primary residence.
- Income limits apply, and vary by program type (Bond or TBA).
Eligible Occupations
The program supports Florida’s essential workforce, including:
- Healthcare workers – doctors, nurses, technicians, medical staff employed by Florida-based facilities.
- School staff – teachers, administrators, counselors, and support staff at Florida K–12 schools (public, private, charter, magnet).
- First responders – firefighters, paramedics, EMTs employed by Florida fire departments, ambulance services, or hospitals.
- Public safety workers – law enforcement, correctional officers, emergency operations personnel.
- Court employees – individuals employed full-time by Florida courts, state attorney’s offices, or public defender’s offices.
- Childcare workers – licensed childcare providers and staff in Florida-based childcare facilities.
- Military and veterans – active duty, reserve, and veterans (veterans must work full-time for a Florida employer, but any occupation qualifies).
Income & Loan Guidelines
- Bond Program: Household income is calculated using all adult occupants (18+) including spouses, even if not on the loan.
- TBA Program: Only the borrower’s income is counted. Spouse income is excluded unless they are a co-borrower.
- Both programs require verification of full-time employment in an eligible occupation with a Florida-based employer .
Down Payment Assistance Repayment
The assistance funds must be repaid when:
- The property is sold.
- The loan is refinanced (including rate-reduction refinances).
- The property is no longer the borrower’s primary residence.
- The loan reaches 30 years.
How to Apply
AAA Capital Funding can help you determine eligibility and guide you through the application process for the Florida Hometown Heroes Program. We handle the details so you can focus on finding your dream home.
Contact Jason J. Sarji and the team at AAA Capital Funding today:
📞 954-390-7994 | 📞 888-601-8344
🌐 aaaCapitalFunding.com
Frequently Asked Questions (FAQs)
1. How much assistance can I receive?
You may qualify for up to 5% of your loan amount, capped at $35,000, with a minimum of $10,000.
2. Do I have to be a first-time homebuyer?
Yes, unless you are a veteran. Veterans are exempt from the first-time homebuyer requirement.
3. Do I ever have to repay the assistance?
Yes. The funds are always repayable when you sell, refinance, or no longer occupy the home.
4. Can I use this program with new construction?
It is possible but not recommended due to strict 60–90 day purchase deadlines.
5. How do I get started?
Call Jason J. Sarji and AAA Capital Funding at 954-390-7994 or 888-601-8344 to begin your eligibility review and application.
AAA Capital Funding, Inc.
3000 N Federal Hwy, Suite 7
Fort Lauderdale, FL 33306
954-390-7994 | 888-601-8344
🌐 aaaCapitalFunding.com
Florida Hometown Heroes Quick Facts
| Minimum Score | 640 |
| Maximum Debt Ratio | 50% |
| Minimum Down Payment | 0% (if VA) |
| Pre-Payment Penalty | No |
Contact Us
Local: 954-390-7994
Toll Free: 1-888-601-8344
Text: WhatsApp
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What our clients say about their experience.
Don’t Take Our Word for It. Read What Our Customers Have to Say about AAA Capital Funding.
What can I say!!!We had a very good experienced with Mr.Jason and whole team.They made it possible! to get us our house.They worked really hard and they expedited the process to get our house that we call it home now.Jason and the rest of the AAA CAPITAL FUNDING team is the greatest example to make things happened.Getting our home is almost impossible but they lifted up our burden and they assured us, that we can get our house and we did it!!!
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We are very grateful to Jason and the AAA CAPITAL FUNDING to made it possible.With all their efforts and hard work we are enjoying our house now.Godless to all of them!!!and the next time we are planning to buy another house we are definitely consider them again.
AAA CAPITAL FUNDING IS THE BEST COMPANY YOU CAN TRUST!!!
Jason is simply the best. I was able to find a house and close within few months. My overall process was stress-free and super fast. He is easy to talk to great communicator and i am so happy to have met him.
I really don't have no words to explain my happiness, but let me add that thanks to AAA Capital Funding and thanks also to Jason who's doing wonderful job.
Thank you so much Jason for your patience and all Your help it is truly appreciated .
What an amazing experience! Jason knowledge and expertise made the home buying process so simple. From finding me the best rates around to taking all my calls about every “what if”, Jason was amazing. If I am ever buying another property AAA Capital will definitely be my first call!
I highly recommend AAA Capital Funding to anyone looking to purchase a home. If you're searching for a mortgage lender, you’ve come to the right place! Jason Sarji is the person you need to talk to. He made the process seamless and stress-free for me as a first-time homebuyer. Jason kept me informed every step of the way and was always ready to answer any questions I had—no question was too small. Within a month, he helped my husband and me get approved for a home loan and close on our very first home. His expertise and efficiency were outstanding.
Thank you so much, Jason, for making our dream home a reality!
Thank you so much, Jason, for making our dream home a reality!
A huge THANK YOU to Jason Sarji, from AAA Capital Funding Inc. in getting a mortgage for my new home. He was fast and on top of absolutely everything. He was super professional, understanding, and reachable at all times. His prompt support to answer every question I had throughout my journey to get the loan made things much easier for me as a new home buyer, which I greatly appreciated!
Great experience, never gave up.
I recommend Jason to everyone looking for their dream home!
Great experience, never gave up.
I recommend Jason to everyone looking for their dream home!
My Family thanks this wonderful work team. They have made our dreams come true. Excellent professional service, unique and personalized treatment. I recommend them 100%.
Jason assisted me with my FIRST time purchasing a new home. I could not be happier with the service I was provided, he was there with me every step of the way. I appreciate him and will recommend him to anyone I know that may need a mortgage lender.
We can’t thank your entire team enough for all of your hard work on getting our loan taken care of and early for that matter. Thanks Jason, for always being available to talk to me and reassure me. This is a culmination of everything we’ve worked for in our lives that is leading us to this moment. It’s the start of my “grown-up” life :)! And you all made it possible. Again, thank you so much from the bottom of our hearts and for making our biggest dream yet, come true!”
Jason and his wonderful team got us approved for our first home. We originally started with another broker but we felt it was best to rethink the home buying process based off of approval amounts. But our amazing realtor said not to give up and introduce us to Jason and his team. And the results were amazing from his involvement from the first contact and even after has been above and beyond. Thank you Jason and AAA Capital Funding.
Jason Sarji at AAA capital funding was so amazing to work with. Within a month he got my wife and I approved for a home loan and closed on our very first home. He was very knowledgeable and quick to answer any random questions and was always available to talk. We highly recommend using AAA capital funding to anyone who’s looking to purchase a home. Thank you guys so much ❤️❤️❤️
First time homebuyer here and I’m grateful that my experience was painless and successful. Jason Sarji kept me in the loop every step of the way and didn’t mind answering the million questions I had. The process was super quick. I found my home the first week of May and closed on June 1st. Less than a month. The home buying process can be scary and nerve wrecking and I can attest working with Jason made it a breeze… Best wishes you all and your new homes!!!
Thank for being very cooperative. because of AAA capital findings I am a homeowner. It was my very first experience and was skeptical at first 🤨 but then at the end I realized it was a great experience. I learned a lot in such a short time, Jason is very easy to work with, he’s customer service is a top tier. Looking forward to work with you again in the future. Thank you so much 😊
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My Word can Never be Enough to thank You Our journey toward buying our home wasn’t easy, but we got through it with great success because we had you by our side. Thank you for your hard work, patience, and diligence along the way
Jason Thank you so much for all of your help! Thank you for going the extra mile for us on every step of our New Home
Thank you for all of the hard work you’ve done( I’m in tears now just thinking how long we have come) We are endlessly grateful to have you as our agent and couldn’t be happier with the way everything worked out.We appreciated your patience and expertise. Your insight was extremely valuable to us and I don’t think we could have done this without you. we are so thankful and Grateful for your assistance, patience and expertise.Everytime we feel giving up He will always said Today Not the Day to Give up
We greatly appreciate your dedication It’s been fantastic Working with
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If you have friends or family who need help buying a home in the future I highly recommend cause This guy is a Genius
Jason Thank you so much for all of your help! Thank you for going the extra mile for us on every step of our New Home
Thank you for all of the hard work you’ve done( I’m in tears now just thinking how long we have come) We are endlessly grateful to have you as our agent and couldn’t be happier with the way everything worked out.We appreciated your patience and expertise. Your insight was extremely valuable to us and I don’t think we could have done this without you. we are so thankful and Grateful for your assistance, patience and expertise.Everytime we feel giving up He will always said Today Not the Day to Give up
We greatly appreciate your dedication It’s been fantastic Working with
You Are The best Jason I thank you from the Bottom of my Heart
If you have friends or family who need help buying a home in the future I highly recommend cause This guy is a Genius
It's a miracle, I'm still in shock of how quickly, efficiently, and professional aaa capital funding team were, Jason went above and beyond to help us closed our dream home, Jason is terrific in what he is doing, if you looking for a lender please do yourself a favor, call aaa capital funding,Jason has a solution for you, even when other lender said they can't, no matter what ,Jason will do anything to get you aprove,with no doubt.
WOW!! Amazingly I was able to close on a new home in 3 weeks with Jason as my broker and still can't believe how fast it was done. Throughout the process the team work was excellent from start to finish. Loving my new home and will definitely recommend my friends and family. Thanks much!
I thank God for Jason and his team. Jason was very professional, respectful, and easy to communicate with. He collaborated with our realtor. He explained the home-buying process to us and was very honest regarding what to expect from the market. He treated my husband and me like family. We closed in March!!! We are so grateful and glad we used AAA Capital Funding, Inc. for our mortgage needs, thank you, Jason, for your expertise and guidance during the whole process.
I was completely new to the home buying process. I tried preapprovals from known-name banks and was met with high rates and/or low loan amounts. I did some research and was advised to go with a local lender. With that, I did more research and landed on AAA Capital. I am very glad I was able to work with AAA Capital as Jason was fantastic and was able to quote my desired loan amount at 5.9%. In comparison to the previous quotes I received, this was acceptable.
My overall experience of the home buying process was straightforward and easy. Going into this knowing nothing, I did not know what to expect, but Jason and my realtor guided me and explained things throughout the process. Jason was always responsive and really easy to communicate with, so I was always learning and aware of what is happening in real-time and what to expect next. I was preapproved in early August and found a house I liked in late August. My offer was accepted, and from there Jason was on point with getting things done. I was able to close at the end of September and can now say I am a homeowner! I have read/heard about negative experiences and how stressful buying a home can be, so I am genuinely grateful for how smooth my home buying experience with AAA Capital was. Thank you again Jason and team.
My overall experience of the home buying process was straightforward and easy. Going into this knowing nothing, I did not know what to expect, but Jason and my realtor guided me and explained things throughout the process. Jason was always responsive and really easy to communicate with, so I was always learning and aware of what is happening in real-time and what to expect next. I was preapproved in early August and found a house I liked in late August. My offer was accepted, and from there Jason was on point with getting things done. I was able to close at the end of September and can now say I am a homeowner! I have read/heard about negative experiences and how stressful buying a home can be, so I am genuinely grateful for how smooth my home buying experience with AAA Capital was. Thank you again Jason and team.
