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Buying First Home

My fiancé and I are looking to buy our first home. We live in Florida and have been in talks with a mortgage lender and they suggest us going with the “home town heros” program for our mortgage. Does anyone have tips or insight on if these programs are good? With the uncertainty of if they will cut interest rates in a few months, what are our options if we want to refinance and how does that work? Are we able to shop our own mortgage and is that better? Any information is greatly appreciated!

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source https://www.reddit.com/r/RealEstate/comments/1ee7dgj/buying_first_home/
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