Hometown Heroes Home Loan Guaranty Program; establish.

This bill establishes the Hometown Heroes Home Loan Guaranty Program in Mississippi to help firefighters, law enforcement officers, nurses, and teachers purchase their primary residences. The program would allow these eligible individuals, who have worked in these roles for at least four years, to receive loan guarantees for conventional home financing if they certify they intend to apply for a homestead exemption. A special fund in the state treasury would be created to support the program, with money disbursed by the Department of Finance and Administration only after legislative appropriation. The bill takes effect on July 1, 2026, and requires the department to create rules for administering the program.