Florida’s heroes deserve a mortgage program that works as hard as they do. The Hero Mortgage Loan is designed for veterans, educators, nurses, firefighters, police officers, and other essential workers across the state. With up to $750 in appraisal credit, low or no down payment options, fast closings, and access to VA, FHA, USDA, and conventional loan programs, we’re here to help you buy or refinance with confidence and support.
Sr. Mortgage Broker
NMLS #384936 C2: NMLS #135622
Discover why clients choose Kevin Guttman for their mortgage needs.
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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 are a Veteran, Firefighter, Teacher, Medical Professional, Minister, Law Enforcement Officer, or work in Transportation and Delivery, our specialized mortgage programs make buying or refinancing easier by shopping the nation’s top wholesale lenders to find the best program, loan term, and payment you qualify for — so you can achieve your homeownership goals with less stress.
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.
Renovation and Construction Loans are designed to finance new builds or home improvement projects from the ground up. Enjoy tailored funding that covers both construction costs and post-construction financing. With competitive rates and a streamlined approval process, these loans empower homeowners to transform properties, enhance value, and create custom living spaces, all while ensuring clear, manageable repayment terms for your ambitious projects.
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.
Kevin also leads Reverse Mortgage Revolution, helping retirees unlock equity and eliminate monthly mortgage payments.
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
We’re committed to doing business the right way. That means establishing a positive track record in the marketplace, advertising honestly, and always telling the truth about our services. We’re fully transparent about who we are, how we operate, and the guarantees and procedures that guide your decisions. Our goal is to earn your trust at every step.
We honor every promise and respond to every concern with professionalism and good faith. Your privacy matters to us—we safeguard your data and use it responsibly. Above all, we approach every client and transaction with integrity, from the first conversation to the closing of your loan. You can count on us to deliver with clarity, honesty, and respect.
Have questions about your home loan options?
We’ve answered the most common questions asked by veterans, first responders, teachers, and other essential workers so you can move forward with clarity and confidence.
A HERO Mortgage is a specialized loan program crafted for “heroes” like veterans, first responders, healthcare workers, educators, and more. You get exclusive benefits like fast approvals, appraisal credits, and tailored mortgage programs based on your profession.
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.
Eligibility typically includes:origin.bank, heromortgageloan.
A HERO Mortgage is built for those who serve — including veterans, teachers, nurses, firefighters, police officers, and first responders. Along with flexible qualification and discounted lending fees, HERO Mortgage offers exclusive perks including:
• Up to $750 appraisal credit at closing
• Fast closings — often within 30 days
• Very high closing success rate — ~96% compared to the industry average of ~61%
• Access to multiple loan types: VA, FHA, Conventional, and USDA
• A portion of proceeds donated to charities supporting community heroes
This program is designed to honor your service by making homeownership more accessible, affordable, and stress-free.
Yes, HERO Mortgage can absolutely be used for refinancing your current home loan. Whether you’re looking to lower your interest rate, reduce your monthly payment, or switch loan types, refinancing through HERO Mortgage gives you access to the same exclusive benefits as a purchase loan. These include:
• Fast closings — often within 30 days
• High success rates — around 96%, well above the industry average
• Access to multiple refinance loan types — including VA, FHA, Conventional, and USDA
• Up to $750 appraisal credit at closing
• A portion of proceeds donated to charities that support local heroes
If you’re a veteran, teacher, nurse, first responder, or public servant, refinancing with a HERO Mortgage means you get a process built to honor your service — with real savings and dedicated support.
With HERO Mortgage, your down payment depends on the loan type you qualify for. Here’s a quick breakdown:
VA Loans – No down payment required (available to eligible veterans and active-duty service members)
USDA Loans – No down payment for qualifying rural properties
FHA Loans – Minimum 3.5% down with a 580+ credit score
Conventional Loans – As low as 3% down for qualified buyers, or 20% to avoid private mortgage insurance (PMI)
Special HERO Programs – Some buyers, including medical professionals and first responders, may qualify for low down payment options starting at 3%
In short: You may be able to buy a home with little to no money down, depending on your loan program and eligibility. HERO Mortgage helps you find the best fit based on your goals and profession.
To apply for a HERO Mortgage, you’ll need to provide some basic documentation to verify your identity, income, assets, and the property you’re financing. Here’s what you’ll typically need:
1. Personal Information
Government-issued photo ID
Social Security number
Two-year address history
2. Income and Employment
Recent pay stubs (last 30 days)
W-2s or 1099s from the past two years
Full tax returns (especially if self-employed)
Profit and loss statement (if you own a business)
Employment verification
3. Assets and Banking
Bank statements from the last two months
Retirement or investment account statements
Gift letter (if receiving funds from someone else)
4. Property and Loan Info
Purchase agreement (for new home purchases)
Current mortgage statement (if refinancing)
Homeowner’s insurance and property details
5. For VA Loan Applicants
Certificate of Eligibility (COE)
DD-214 or other proof of military service
VA disability award letter (if applicable)
Gathering these documents early helps speed up the approval process and ensures a smoother path to closing. If you’re not sure where to start, we’ll guide you every step of the way.
Pre‑qualification — quick conversation to determine your eligibility
Complete application — submit documents
Lock in your rate — we shop lenders to find the best fit
Appraisal & closing — schedule appraisal (credit up to $750), then finalize your loan (often within 30 days)
HERO Mortgage Loan was created specifically for those who serve our communities — veterans, teachers, nurses, first responders, and public service professionals. We understand your unique needs and offer real advantages, including:
• Up to $750 appraisal credit at closing
• Fast closings — often within 30 days
• A high approval success rate — around 96%
• Access to VA, FHA, Conventional, and USDA loan options
• A portion of proceeds donated to charities supporting community heroes
With personalized guidance, competitive rates, and a mission-driven approach, HERO Mortgage Loan is more than a home loan — it’s a way to give back while helping you move forward.
A reverse mortgage is a loan available to homeowners aged 62 and older that lets you access a portion of your home’s equity as tax-free cash — without having to sell your home or make monthly mortgage payments. It’s designed to help you stay in your home and use your equity to support your financial goals in retirement.
With a reverse mortgage, you remain the homeowner and continue living in the home as your primary residence. The loan is repaid only when the home is sold, you move out, or the last borrower passes away. You’re still responsible for property taxes, homeowner’s insurance, and basic upkeep.
You can choose how to receive the funds — as a lump sum, monthly payments, line of credit, or a combination.
Many homeowners use reverse mortgage funds to:
Eliminate monthly mortgage payments
Buy a new home (H4P program)
Cover medical expenses or long-term care needs
Help family members with gifts or support
Supplement retirement income
Increase financial flexibility and peace of mind
To learn more about how a reverse mortgage works and whether it’s the right fit for your retirement goals, visit ReverseMortgageRevolution.com — a trusted resource created by Certified Reverse Mortgage Professional Kevin Guttman.
Hero Mortgage Loan offering
personalized mortgage solutions, fast customized quotes, great rates & service with integrity. Licensed in CO, NM, UT, AZ, KS, OK, TX, ID, CA, OR, WA, HI, TN, AL, MI, OH, PA, FL.
