Heroes Program

Heroes Don’t Always Wear Capes

________________________

First responders and health care workers have made a career in helping others. To show our gratitude, we provide a substantial discount on our fees to originate a new home purchase mortgage… or refinance an existing loan.

Loan Eligibility

There are no restrictions regarding the type of loan (e.g., FHA, VA, conforming, jumbo, etc.) and interest structure (e.g., fixed-rate or adjustable-rate mortgage – ARM) you apply for.

Save on Closing Costs

Closing costs generally account for 2% to 5% of your total home loan. For example: if you took out a $400,000 loan, expect to pay anywhere between $8,000 – $20,000 at closing. With our Heroes Program, you’ll receive a $1,000 discount.

Required Documentation

  1. Credit reports (pulled from the three bureaus Equifax, Experian, and TransUnion)
  2. Tax returns from the last two years
  3. W-2s, pay stubs, or other proof of income
  4. Bank statements (e.g., brokerage accounts and IRAs, etc.)
  5. Renting history (especially if you don’t have an extensive credit history)

Eligible Professions

  • Firefighters
  • Police Officers
  • EMT Personnel
  • Paramedics
  • Nurses
  • Doctors

The list isn’t extensive, so if you’re unsure whether you qualify, contact us.

Pair with Other Programs

90-Day Rate Lock

  • Mortgage rates are unpredictable and fluctuate daily. Avoid rising interest rates, by locking it in. And you don’t pay extra to “float down” or get the lower current market rates.

Certified Pre-Approval

  • A pre-approval makes the house hunting process simpler for you. Show sellers and real estate agents you’re approved for mortgage financing. That way, it doesn’t matter if another bid is higher; yours will be legitimate.

Express Mortgage

  • The promise to close within the month may make all the difference in a seller’s decision. We can help you close on a home in 21 days – that’s 26 days faster than the industry average.

FAQs

Menu