Updated August 2026
Special programs, down payment assistance, and lender offers available right now for Florida home buyers and homeowners. These change frequently — contact Josh to confirm current availability.
⚡ Rates and programs change frequently. Call (813) 285-2904 or submit your info for the most current offers available to you.
Featured Programs
Florida offers several state and federal programs to help buyers get into a home with less money out of pocket.
Take advantage of a lender-paid temporary rate buydown on Conventional and government purchases. We cover the buydown cost so your borrower gets a payment equivalent to a rate 1% lower in year one — at no extra cost to the buyer or agent.
.125pt price improvement for Conventional locks in Florida, Louisiana, and Texas. A great bonus for Florida buyers on top of other available specials.
The Florida Hometown Heroes program is back and available as of July 13, 2026. Up to $35,000 in down payment and closing cost assistance for eligible Florida workers — teachers, nurses, first responders, and more.
Co-borrowers without a credit score no longer disqualify a loan. For purchases and rate & term refinances on 1-unit properties, we allow a co-borrower with no credit score — opening the door for more families to qualify.
VantageScore now accepted in place of FICO on Conventional up to 95% LTV and all VA loans — more buyers can now qualify.
.375pt price improvement for 30-year fixed Conventional loan amounts over $350K. Does not include high balance loans.
Eligible Florida veterans — $0 down, no PMI, competitive rates. You earned this benefit.
Zero down for eligible buyers in qualifying Florida areas — Ocala, Gainesville, Panhandle and more.
Locked in at 7%+? Free savings analysis — no obligation to proceed.
We can structure credits to minimize cash needed at closing in exchange for a slightly higher rate.
⚠️ Programs, rates, and eligibility requirements are subject to change without notice and vary by lender, loan type, and borrower qualifications. The incentives listed above are for informational purposes only and do not constitute a commitment to lend. Contact Josh Alvarez directly at (813) 285-2904 to confirm current program availability and your personal eligibility.
Josh will match you with the best available incentive for your situation — free, fast, no pressure.
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