Exclusive mortgage solutions for Veterans, Firefighters, Teachers, Medical Personnel, Transportation & Delivery Workers, Ministers, and Law Enforcement. Get the home you deserve with expert guidance and flexible loan options!
Sr. Mortgage Broker
NMLS #384936 C2: NMLS #135622
Discover why clients choose Kevin for their mortgage needs.
Thank you for being a HERO, I want to offer you a credit for your appraisal fee when we close on your loan.
It’s a small way for me to say thank you.
*Can be used on a purchase or refinance. To cover the actual cost of the appraisal, up to $750. May result in a higher interest rate.
Whether you’re a Veteran, Firefighter, Teacher, Medical Professional, Minister, Law Enforcement Officer, or part of Transportation & Delivery, our specialized mortgage programs simplify the home-buying or refinancing process. Select your hero category below and see how we can help you achieve your homeownership goals.
Let us do the research for you. We shop the top wholesale lenders in the country to find you the best program, loan term, and payment you qualify for.
VA loans honor military heroes with zero-down mortgages, no mortgage insurance, and competitive interest rates. Whether active duty, reserves, or retired, veterans can purchase or refinance homes affordably and easily. Your service entitles you to exclusive benefits—let us guide you home with gratitude and ease.
FHA loans offer heroes flexible, affordable financing with as little as 3.5% down. Ideal for teachers, first responders, and essential workers, these loans feature competitive rates and accommodating credit requirements, making homeownership accessible for the dedicated professionals who strengthen our communities every day.
USDA loans offer heroes zero-down financing for homes in rural or suburban communities. Perfect for those seeking peaceful neighborhoods, these loans feature low-interest rates and easy qualification guidelines, empowering teachers, first responders, and public servants to achieve homeownership and stability where they’re needed most.
Conventional mortgages provide heroes versatile loan options with competitive rates and flexible terms. With low down-payment choices and streamlined approvals, these loans are ideal for veterans, educators, law enforcement, and medical personnel, simplifying your journey to homeownership while catering specifically to your financial goals and needs.
Jumbo loans help hero professionals finance larger homes with loan amounts exceeding conventional limits. Perfect for veterans, medical personnel, and first responders seeking premium properties, these loans offer attractive rates and flexible terms, making it easy to secure your dream home with exceptional mortgage solutions.
All-in-One Loans combine your mortgage with a flexible checking account, accelerating debt payoff and reducing interest costs. Designed specifically for heroes juggling demanding careers, this innovative financing solution provides financial efficiency, convenience, and significant savings—empowering you to manage your mortgage your way, hassle-free.
Construction-to-Permanent loans enable heroes to build their ideal home from scratch with one convenient loan. Offering simplified processing, competitive rates, and seamless transition from construction to permanent financing, this program is perfect for heroes eager to create personalized homes suited exactly to their unique needs and lifestyles.
A Reverse Mortgage empowers retired heroes (62+) to access their home’s equity, eliminate monthly mortgage payments, and secure their retirement years. Stay in your home while enjoying financial flexibility and peace of mind, knowing your years of service now help you live comfortably and confidently.
Our exclusive Hero Mortgage Program offers unmatched advantages specifically for veterans, teachers, first responders, medical personnel, ministers, and transportation professionals. Enjoy benefits like appraisal credits (up to $750), personalized rates, flexible terms, charity contributions, simplified processing, clear communication, and dedicated support to honor your service and simplify
A hero is someone who dedicates their life to serving others, making a difference in their community every day. You’re a hero—whether you’re a veteran, first responder, teacher, medical professional, minister, or essential worker. Owning a home not only builds wealth but also provides stability and protection for your family. Your dedication to others makes you a hero, and we’re here to support you on your journey to homeownership.
Everyday heroes like veterans, first responders, teachers, and medical professionals deserve recognition. That’s why we give back with an appraisal credit* and donate 10% of our gross revenue to non-profits supporting your industry. You serve others—now, we’re here to serve you.
*Appraisal credit covers up to $750 and may result in a higher rate.
At HERO Mortgage, you have the power to customize your home loan to fit your needs. Choose a custom rate, loan term, and lock to create the right mortgage solution for your situation. We are here to serve you, just as you serve others. Our goal is to help you find the best payment and loan program tailored to your unique circumstances. It all begins with understanding your options, and we’re here to guide you every step of the way.
At HERO Mortgage, you can expect a seamless and supportive experience from start to finish. We help you understand your options so you can choose the best mortgage for your family and financial situation. Throughout the process, you’ll receive regular updates, clear communication, and dedicated support. Most importantly, you’ll be treated with the respect you deserve. Thank you for your service—we are honored to serve you in return.
Reverse Mortgages enable senior homeowners to convert home equity into cash without monthly mortgage payments. Designed for those aged 62 and older, this product provides financial flexibility by allowing you to access funds for living expenses, healthcare, or home improvements. Enjoy non-recourse features and a repayment structure based on the sale of your home, ensuring you maintain financial security and quality of life during retirement.
Kevin Guttman is a dedicated Sr. Mortgage Broker committed to helping America’s heroes achieve their dreams of homeownership. With years of experience specializing in tailored mortgage solutions, Kevin serves veterans, active military personnel, first responders, educators, medical professionals, ministers, and transportation workers. He is known for his personalized approach, clear communication, and extensive knowledge of VA, FHA, USDA, Conventional, Jumbo, Reverse Mortgages, and Construction loans.
Driven by a passion to serve those who serve others, Kevin ensures that every client receives attentive guidance. Whether you’re purchasing your first home, refinancing, or building your dream home, Kevin’s mission is to simplify the mortgage process, making it efficient and rewarding for heroes across the nation.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
I will shop among the top lenders to secure the best loan options, ensuring you get the most money at the best possible terms.
Your financial goals are unique—I will customize loan options to match your needs, whether you’re a first-time buyer, senior homeowner, or refinancing.
Mortgage terms can be confusing. I will break down the process and terminology in an easy-to-understand way, so you always feel confident in your decisions.
I respect your time. I will return calls and emails the same business day—because you deserve fast, reliable communication.
My team and I will handle the details and make the loan process easy and hassle-free, so you can focus on what matters most—your home and future.
I only work with competent, reputable lenders and professionals to ensure you receive top-tier service and support.
Beyond your mortgage, I will connect you with trusted real estate agents, financial planners, and other professionals who can help you reach your goals.
I know time is valuable. My goal is to close your loan within three weeks, so you can move forward without unnecessary delays.
A portion of the proceeds from each loan are donated to a few carefully selected charities
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
At HERO Mortgage, we believe the people who serve others deserve to be served with the same dedication. From firefighters and law enforcement to teachers, medical professionals, veterans, and ministers—you show up every day to protect, educate, heal, and support your communities.
This program was created to give back in a meaningful way. With benefits like appraisal credits, fast closings, and personalized guidance, we’re here to make homeownership more accessible and less stressful for the heroes who give so much of themselves.
Thank you for what you do—now let us serve you.
– Kevin A. Guttman, Sr. Mortgage Broker
Have questions about how HERO Mortgage works? You’re not alone. Here are the most common questions we get from fellow heroes—whether you’re buying your first home, refinancing, or exploring your options. We’re here to guide you every step of the way.
HERO Mortgage is a home loan program dedicated to serving America’s everyday heroes—including Veterans, Firefighters, Teachers, Medical Professionals, Ministers, Law Enforcement, and Transportation & Delivery professionals. It offers exclusive benefits, expert guidance, and a simplified loan process tailored to those who serve others.
You may qualify for a HERO Mortgage if you work or have worked in any of the following roles:
Veterans and Active-Duty Military
Firefighters, Paramedics, and EMTs
Teachers and Educators
Nurses, Doctors, and Medical Professionals
Ministers and Faith Leaders
Police Officers and Law Enforcement
Transportation and Delivery Professionals
If you’re not sure, just reach out—we’re happy to help confirm your eligibility.
HERO Mortgage offers exclusive perks including:
Appraisal credit at closing (up to $750)
Fast closings (in 30 days or less)
A 96% closing rate vs. the 61% industry average
Customized loan terms and competitive interest rates
A smooth, efficient process designed to save you time
Charitable giving: A portion of every loan is donated to non-profits supporting your profession
Nope! HERO Mortgage is for both first-time and repeat buyers. Whether you’re purchasing your first home, moving up, or downsizing—we’ve got a program that fits your situation.
Yes! Many heroes use HERO Mortgage to refinance their existing home—lowering their interest rate, reducing monthly payments, or accessing equity for other financial goals.
We partner with top lenders to offer a wide range of options, including VA, FHA, USDA, Conventional, Jumbo, Reverse Mortgages, and Construction Loans. We’ll help you choose the best option for your goals and profession.
It’s easy:
Get Pre-Approved – Start with a quick conversation about your homeownership goals.
Submit Your Documents – We collect everything upfront for a clean, smooth approval.
Close Your Loan – Sign your paperwork and move into your new home—backed by expert support every step of the way.
A USDA Loan offers zero down payment, low interest rates, and reduced mortgage insurance for homebuyers in eligible rural areas. It’s a great option for those looking for affordable homeownership with government-backed security.
We offer a wide range of home loan options including VA, FHA, USDA, Conventional, Jumbo, Reverse Mortgages, and Construction Loans. We match you with the best loan program based on your needs and qualifications.
A Reverse Mortgage allows homeowners aged 62+ to convert home equity into cash, with no monthly mortgage payments required. The loan is repaid when the homeowner sells the home, moves out, or passes away, making it a valuable retirement tool.
You’ll need to provide standard mortgage documents like pay stubs, W-2s or tax returns, bank statements, ID, and employment verification. We’ll walk you through it all with a clear checklist.
The first step is to get pre-approved! This involves a quick review of your credit, income, and financial situation. Pre-approval gives you a clear picture of what you can afford and makes home shopping easier. Ready to get started? Let’s talk!
Most HERO loans close in 30 days or less. Our team collects everything upfront and keeps the process moving smoothly with regular updates and support.
Hero Mortgage Loan offering
personalized mortgage solutions, fast customized quotes, great rates & service with integrity. Licensed in HI, WA, OR, CA, ID, UT, AZ, CO, NM, KS, OK, TX, TN, AL, FL, MI, OH, and PA.
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