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Leslie Haas, Realtor®
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    • Blog
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      • LQBTQ+
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      • Health
      • Retirement Planning
      • Senior Advocacy
      • Adult Child Caregivers
    • Market Reports
    • Property Search
    • Buying
    • Selling
    • Contact Leslie
    • About Leslie
Leslie Haas, Realtor®
  • Home
  • Blog
  • Senior Resources
    • Senior Guides
    • Reverse Mortgages
    • LQBTQ+
    • Relocating Links
    • Health
    • Retirement Planning
    • Senior Advocacy
    • Adult Child Caregivers
  • Market Reports
  • Property Search
  • Buying
  • Selling
  • Contact Leslie
  • About Leslie

Welcome Home Buyers!

The Path to Homeownership

Discover Your Dream Home: My ​Home Buyer Guide is your essential ​companion on the journey to ​homeownership. Packed with expert ​advice, tips, and step-by-step ​instructions, it simplifies the buying ​process, from budgeting and ​financing to property selection and ​closing the deal. Make informed ​decisions and unlock your dream ​home!

Navigate Your Path to Savings

Seller Credits

Coming up with the funds for a down payment and closing costs is a big obstacle for Buyers. Sellers can offer to include some of the closing costs into the purchase price of the home, then offer to cover the closing costs with a sellers credit thus reducing the amount of money the buyer needs to pay up front. (Closing cost ex: mortgage points, repairs, title cost). Sellers credits can be offered for a range of reasons including making a home more financially attainable for buyers.

Buy Down Mortgage Points

Mortgage points are fees you pay a lender to reduce the interest rate on a mortgage. Paying for discount points is often called “buying down the rate” and is totally optional for the borrower. Paying discount points reduces the interest rate and therefore the monthly payments. Your monthly savings depends on the interest rate, the amount borrowed and the loan's term (whether it's a 30-year or 15-year loan).

Down Payment Assistance Loan Program: Hometown

Down Payment Assistance Loan Program

Florida Hometown Heroes Housing Program, designed to make homeownership more affordable for our dedicated community workforce. This initiative provides essential down payment and closing cost assistance to eligible first-time, income-qualified homebuyers, enabling you to purchase a primary residence within the community you proudly serve. The Florida Hometown Heroes Loan Program also offers a reduced first mortgage interest rate and additional benefits to honor those who have served and continue to serve our country.


  • Must be a first time homebuyer (Veterans are exempt from this requirement)
  • Minimum Credit Score 640
  • Employed 35+ hours a week for a Florida based Employer
  • Income cannot exceed 150% of their counties Area Median Income (AMI)
  • Up to $35,000 for Down payment assistance and closing costs
  • Down payment assistance loan amount based on 5% of first mortgage total


The Hometown Heroes Housing Program down payment & closing cost assistance started July 1st, 2024. Last year, the program only lasted a few months so act fast by contacting me to start your home search today!

Hometown Heros

Learn About More Down Payment & Closing Cost Programs

Click Here

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Unlocking the Real Estate Market for Buyers

Take the first step to navigate the home buying journey with confidence.

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