As a firefighter, you dedicate your life to protecting others. Now, it’s time to secure a home for yourself and your family. Our firefighter home loan programs offer competitive rates, low down payment options, and expert guidance. Get pre-approved today and take the next step toward homeownership!
As a firefighter, you work tirelessly to protect others. Now, it’s time to secure a home for yourself. Our firefighter home loan programs offer competitive rates, low down payment options, and a streamlined process designed to fit your busy schedule. Let us help you find the best mortgage solution for your needs.
Owning a home is one of the best ways to build long-term financial security. Our firefighter mortgage programs offer special benefits, including appraisal credits, fast closings, and customized loan terms. Whether you’re buying your first home or refinancing, we’ll guide you every step of the way.
Firefighters dedicate their lives to serving the community, and we believe they deserve a mortgage process that works for them. That’s why we partner with top lenders to find the best loan programs, rates, and terms available. With a simple three-step process, we make homeownership easier and more accessible for firefighters.
Worried about a down payment? We offer loan options with little to no money down, including VA, FHA, and Conventional loans designed for firefighters. Our expert team ensures you secure the best possible loan terms so you can focus on what matters most—your home and your family.
We understand that your time is valuable. That’s why we make the mortgage process quick and efficient, with most loans closing in 30 days or less. Our 96% closing rate far exceeds the industry average, giving you confidence that your home loan will go smoothly from start to finish.
Already own a home? Firefighters can take advantage of our refinance options to secure lower interest rates, reduce monthly payments, or access home equity. Whether you need extra cash or a better loan term, we’re here to help you maximize your savings.
My son is a firefighter, and to be honest, as a kid, he set more fires than he put out. Looking back, my wife and I should have seen it coming!
Because of him, I feel personally invested in helping firefighters, paramedics, EMTs, and other emergency medical professionals. I’ve seen firsthand the dedication, courage, and sacrifice it takes to serve others, and I couldn’t be prouder of my son for putting his life on the line to protect others.
That’s why I’m committed to giving back—to make homeownership easier and more accessible for the heroes who dedicate their lives to saving others.
– Kevin A. Guttman, Mortgage Broker
You’ve got enough on your plate—we’re here to make the home loan process easier. Below are the most common questions firefighters and first responders ask about HERO Mortgage. From eligibility to benefits and how to get started, everything you need to know is right here.
A Firefighter Home Loan is a mortgage program designed specifically for firefighters, paramedics, EMTs, and other emergency responders. It offers competitive rates, low or no down payment options, and exclusive benefits like an appraisal credit to help make homeownership more affordable.
If you are a firefighter (career or volunteer), paramedic, or EMT, you may qualify for specialized home loan programs such as VA, FHA, USDA, and Conventional loans. Eligibility requirements vary based on the loan type, but we work with you to find the best option.
Firefighter Home Loans offer benefits such as low down payments, no mortgage insurance for VA loans, fast closing times, and appraisal credits of up to $750 at closing. We also donate a portion of our revenue to charities supporting first responders.
The down payment depends on the loan program. VA loans require zero down, FHA loans require 3.5% down, and Conventional loans can start as low as 3% down. USDA loans also offer zero down for eligible rural properties.
We can typically close your loan in 30 days or less, compared to the industry average. Our process is streamlined to ensure quick and efficient approvals.
The required credit score depends on the loan type. FHA loans allow scores as low as 580, while VA and Conventional loans generally require 620 or higher. We’ll help you explore the best loan options based on your credit profile.
Yes! Firefighters can refinance to lower their interest rates, reduce monthly payments, or access home equity for renovations, debt consolidation, or other financial needs.
Yes! Every HERO loan comes with an appraisal credit of up to $750 to help cover closing costs. Additionally, we donate a portion of our revenue to firefighter support organizations.
No problem! We specialize in helping first-time homebuyers navigate the mortgage process. We’ll guide you through loan options, down payment assistance programs, and everything you need to make buying your first home simple and stress-free.
Getting started is easy! Step 1: Get Pre-Approved—we’ll discuss your goals and financing options. Step 2: Submit Documents—we’ll collect everything needed for a smooth underwriting process. Step 3: Closing—sign the paperwork, finalize the loan, and move into your new home!
This is for seniors 62 years and up who can put 45-60% down and never have a mortgage payment. Purchase price up to $822,375. Insured by FHA. Jumbo reverse mortgages are available. Learn more at www.SeniorFlexLoan.com
Just 3.5% down and mortgage insurance is for the life of the loan. Terms available are 30, 25, 20, and 15 years. Fixed and Adjustable products are available. The loan limits vary by county. This is perfect for a first-time homebuyer or anyone coming back into the market with a low down payment.
This loan is available for rural properties only. Both the property AND the buyer must qualify. It is a zero down loan and is available as a 30 year fixed-rate loan. There is a 2% upfront mortgage insurance fee that is rolled into the loan amount. This is a great option for folks out in the country.
This loan is for someone with above-average credit and a down payment of 5% or more. A bit more challenging to qualify for and mortgage insurance goes away at 78% loan to value or after 5 years. Sometimes call a ‘conforming loan’ this is a great option for people. Loan limits are $548,250.
For loan amounts above $548,250 up to $10 Million, all fixed and adjustable rate products are available. Can be for primary residence or second home. We have options available with just 10% down and no mortgage insurance for the well-qualified buyer.
For the financially savvy borrower. The All In One Loan combines banking functionality with home financing. It uses simple interest and custom loan terms. Borrowers who qualify may be able to save tens of thousands of dollars and years off their loan. www.AIOloan.net
We offer a one-time close construction loan as well. Save time and money with a single loan on your construction project.
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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