Heroes Housing provides discounts and financial support, and can save thousands when selling or purchasing a home. Our realtors and their local partners can work with our hometown heroes — teachers, firefighters, military/veterans, police and first responders to save significant money!

Ways you could save are:

  • Discounts on Home Inspection, up to $150 value
  • Basic Home warranty, up to $450 value
  • Reduced lender fees, up to $2,000 value
  • No cost pre-approval, up to $500 value
  • Appraisal Report, up to $500 value
  • Reduced Real Estate Commission up to 25% off fees when buying or selling
  • Reduced Title fees

We have gone out and negotiated on your behalf for these discounts and our realtors believe in this program and our foundation so much they are willing to rebate some of their commission back to you as a THANK YOU for your service! Realtor partners can also often negotiate up to 3% (or up to 6% for government loans) in seller concessions to help cover your closing costs. Save THOUSANDS of dollars when purchasing a home through our Heroes Housing Program.

Another way we can help is our Home-savers program is funded through our Heroes Housing Foundation and assists Heroes and their families who are struggling with their mortgage due to disability or death to help bridge the gap with their mortgage during their crisis by making your 1st mortgage payment. Our services are FREE to our Heroes as a non-profit organization. Our Executive Director is a Nationally Certified Foreclosure Document Examiner who has worked as an Expert Witness in Foreclosure Prevention Cases.


(904) 254-0801


The Lummus Team strives to create a seamless operation for our clients, and that starts with a solid foundation between you and their team.  Both Michelle and Rob are Florida native’s and left the corporate world to pursue their true passion, real estate.  Customer service is everything for The Lummus Team as we realize the magnitude of the decision that comes with buying and/or selling a home.  Combined both Michelle and Rob we have served over 40 years in the United States Navy, with Rob at one point being one of only two Active Duty Paramedics in the Navy, so we truly understand the sacrifice that our hero’s put in. We are genuinely honored to be a part of the Hero’s Housing program which offers actual closing cost assistance once we secure you the home of your dreams!   Most of all we love expanding our family to our clients with our 5 star service and let our customers testimonials speak for themselves!


  • Military Relocation Professional
  • Seller Representative Specialist



We are extremely fortunate to have worked with the Lummus team.  They kept us abreast of all new listings in our desired areas and aggressively insured we obtained early appointments for showings.  Outstanding communication and professionalism made our home buying experience fun and memorable.  We couldn’t have asked for a better team to do business with and forged a wonderful friendship in the process.  Excited to move into our forever dream home!  THANK YOU!!!

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The Lummus Team is the best!

We reached out to The Lummus Team when looking for property.  We had specific needs for a relative and they located the perfect place in regards to location, size, amenities and price.  Rob and Michelle are very professional and made sure that the transaction was thorough but also quick and concise.  We would not hesitate to use The Lummus Team again and highly recommend Rob and Michelle for your real estate needs.  You won’t regret it!

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First Time Home Buyer

I had the pleasure of working with primarily Michelle, and her help went above and beyond what I expected. I listed exactly what I wanted and she made it happen, even recommending different mortgage lenders who I could work with. I had a couple thousand questions and she patiently answered all of them. She was involved from beginning to end, and what could have been a daunting process for a first time home buyer was smoother than I could have imagined.


Michelle and Rob went above and beyond your everyday realtors, I love my new home and will recommend them any time.

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Absolutely wonderful Company

Michelle Lummus was an excellent realtor. She was way more than that with helping me sell my grandparents house. She went above and beyond to make sure that everything was always taken care of. She was always very responsive when communicating and if anything needed done. From little things to big I always knew that she had my back. You can find a ton realtor of different realtors but you can only find one Michelle. She really was the kindest, most helpful and driven woman that I’ve had the pleasure of working with.

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Michelle was great

Michelle was very accommodating and help with our home search, especially when it all has to be done virtually. She went above and beyond to continue to search and send us potential homes based off the criteria we provided her. She ended up finding us a home in the location and with all the wants we were looking for.

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Above and beyond

Michelle went above and beyond for us. We are relocating back to Florida from out of state, and we could not travel for house hunting due to Covid. Michelle was responsive to our emails and text message. She toured homes for us through FaceTime. She truly was amazing!

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Awesome Agent

Michelle was recommended by a family member that had a great experience.  4 Hours after the property was listed we started to have request for showings.  Michelle received feedback from the 1st showings and made some recommendations. I was not in a position to arrange or be in town for contractors to come in give the condo fresh paint.  Michelle made all the arrangements with a local contractor and was hands on to get them in the condo while they worked.  A few days later we had a contract on the condo.  A week before closing I had a family emergency that caused me not to be available during the closing, and take care of all the final cleaning.  Michelle was able to take care of all the final inspection and making sure it was 100% for the new owners. Without Michelle I would not have been able to make this happen. 

I have never had a stranger work so hard to make things easier for me, she is very special and you will not find a kinder person working with you.

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Great experience!

Working with Michelle made the home buying process much easier! Michelle was very knowledgeable of the neighborhood, what I was looking for in a home and the quality of the homes. She was very responsive, honest and kept me updated throughout the whole process. Michelle has great relationships with contacts needed during the buying process, all of whom were professional and quick to respond. Greatly appreciate Michelle for helping me find the perfect home!

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Michelle Lummus Sold My House

Michelle was exceptionally knowledgeable about what it would take to get our house sold quickly. She knew the market well and helped us establish a market price, and we actually sold it for the asking price. She responded quickly to our questions and expedited the process by allowing us to e-sign most documents when we had difficulty making in person appointments. She made the process of selling our house very easy. It was such a pleasure to work with her, and I would highly recommend her to anyone who is buying or selling a home.

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Scarlett Roger (Lender) NMLS 1877247 813-360-2806 scarlett.roger@angeloakhomeloans.com

Scarlett Roger  is a Mortgage Professional in Tampa, Florida    proudly servicing our clients in their homebuying process,  for the past 30 years.  As the Founder of Heroes housing and the wife of a Retired Fire Captain, as well as a Grand Daughter of a Marine Veteran,  Scarlett has found a passion in serving our community of Heroes and assisting them with their homebuying needs. Scarlett is honored to educate our homeowners on Loan Programs for their specific needs. We service all varieties of Clients both Hero and non-Heroes in loan program variations from Condos, FHA, VA, Conventional and USDA. As a founder of Heroes Housing assistance, we contribute a portion of all of our transactions to our Heroes Housing Foundation.

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