As a package delivery drivers, you keep things moving—often behind the scenes and under pressure. At HERO Mortgage, we’re here to return the favor. With exclusive home loan benefits, fast closings, and expert guidance, we make homeownership simple and rewarding for those who always deliver.
The HERO Mortgage program is tailored specifically for transportation and delivery workers, offering mortgage solutions that fit your lifestyle, schedule, and income type.
We value your time. That’s why HERO Mortgage uses a streamlined process that allows most home loans to close in 30 days or less, with expert support at every step.
As a thank-you for your service, HERO Mortgage offers up to a $750 credit at closing to cover your home appraisal—whether you’re buying or refinancing.
Already a homeowner? HERO Mortgage makes refinancing quick and easy, helping you lower your rate, reduce monthly payments, or tap into home equity.
We shop top wholesale lenders through the HERO Mortgage network to find the best loan program, lowest rate, and most affordable monthly payment for your unique needs.
Every HERO Mortgage loan helps support the hero community. A portion of proceeds is donated to nonprofits that serve transportation and delivery workers like you.
I know firsthand how demanding this work can be. During grad school, I loaded package cars for UPS—early mornings, long hours, and physically demanding shifts. It helped support my family and taught me to truly respect the people who keep things moving behind the scenes.
Whether you’re driving across the country in a semi, delivering packages with FedEx or USPS, or helping people reach their destinations as a pilot, bus driver, or train conductor—you’re a hero.
You transport what matters: letters, food, medicine, gifts, and people. Without you, society would come to a standstill. That’s why I created HERO Mortgage—to support and give back to professionals like you.
We offer benefits like appraisal credit at closing, fast approvals, and a smooth, efficient process. It’s time someone had your back, and I’m proud to serve the people who keep the world moving.
– Kevin A. Guttman, Sr. Mortgage Broker
The HERO Mortgage Loan for Transportation & Delivery Workers is designed specifically for those who help people and goods get where they need to go. This includes professionals working in package and parcel delivery, such as UPS, FedEx, USPS, DHL, and Amazon. It also supports long-haul truckers, freight drivers, and those in local or regional courier services.
Public transit operators, bus drivers, airline crew including pilots and flight attendants, as well as rail workers and train conductors, are also eligible. Even those working behind the scenes in dispatch or logistics, along with rideshare and taxi service drivers, qualify for this loan program.
If your work keeps the world moving—on roads, rails, or in the air—this mortgage was built with you in mind.
HERO Mortgage is a home loan program designed specifically for professionals in transportation and delivery. It provides exclusive benefits like appraisal credit at closing, fast approvals, flexible loan options, and a smooth, efficient process—because we understand your time is valuable and your work is essential.
If you work in the transportation or delivery industry, you likely qualify. This includes drivers for UPS, FedEx, Amazon, and USPS, truckers, bus drivers, rideshare drivers, airline staff, train conductors, and professionals working in logistics or dispatch. If your job keeps people or goods moving, this program is for you.
As a transportation or delivery worker, you’ll receive an appraisal credit of up to $750 at closing, access to competitive loan rates, a quick and simple 3-step process, and support from an experienced mortgage broker who works specifically with community heroes.
No. We work with top lenders that offer a variety of loan programs, many of which are flexible when it comes to credit requirements. If you’re unsure about your credit, we’ll walk through it with you and help find the best option for your situation.
It begins with a simple conversation. We’ll talk about your goals, guide you through the pre-approval process, collect your documents, and keep everything organized so you can close quickly and easily. Most loans close in 30 days or less.
Self-employed mortgage programs provide more flexible income verification by allowing borrowers to qualify based on actual earnings rather than taxable income. These loans offer higher debt-to-income ratio allowances, alternative financing options, and custom loan structures tailored to non-traditional income earners.
Many self-employed borrowers reduce their taxable income by writing off business expenses. Bank statement loans allow lenders to evaluate deposits rather than net taxable income, ensuring a more accurate assessment of financial health.
Interest rates depend on credit score, loan amount, down payment, and lender policies. Some self-employed mortgages have slightly higher rates than conventional loans due to increased lender risk. However, borrowers with strong financials and a larger down payment can secure competitive rates.
Self-employed mortgage programs require alternative documentation to verify income, including:
Yes! Bank statement loans are one of the most popular self-employed mortgage solutions. Instead of tax returns, lenders analyze monthly deposits over 12 to 24 months to determine a borrower’s income, providing a more accurate financial assessment for business owners and freelancers.
Most self-employed mortgage programs require a credit score of 620 or higher. Borrowers with credit scores of 700+ typically qualify for better interest rates and lower down payment options.
If you have at least 12 months of self-employment history, some lenders may consider your application if you have a strong credit score and financial reserves. However, having two years of self-employment history generally improves eligibility and loan approval chances.
Down payment requirements vary by lender and loan type. Most self-employed mortgages require 10 to 20 percent down, while some programs allow as little as 5 percent for highly qualified borrowers with strong credit and financial reserves.
Yes! If you don’t qualify for a self-employed mortgage, there are alternative financing solutions, including:
FHA loans – If your tax returns meet FHA’s income guidelines, this may be a better option.
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.
