Law Enforcement Home Loans

Protect and Safeguard Your Largest Asset

Why HERO Loan?

  • Appraisal credit at closing!
  • Close in 30 days or less
  • 96% closing rate vs. 61% in the industry
  • We give a portion of our proceeds to a non-profit that provides armor to police officers
  • Our experience in the industry makes your loan process smooth and simple
  • Customized loan terms and loan rates
  • We know your time is valuable so we use an efficient process
We think it’s about time someone had your back and we want to thank you for what you do. 

Giving Back

A percentage of all HERO Loan proceeds are donated to a non-profit that supports police officers. 

Appraisal Credit* at Closing

To honor the contribution that you make everyday to protect others, 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. 

coupon - home mortgage loan

Why Help?

I respect law enforcement.

While I’ve had my fair share of speeding tickets, I appreciate and admire the work of law enforcement officers in my city and across the nation. Protecting and serving in this way is one of the bravest and most challenging occupations. Thank you for your service.

-Kevin A. Guttman
Mortgage Broker

Find the Best Option.

My goal is to help you find the best home financing option for your situation.

At HERO Mortgage, Loan the client comes first. We look at top lenders and wholesalers for you so you get the best rate and payment you qualify for.

This is about you. Together we’ll:

  • Identify your needs and goals
  • Explore and explain your options
  • Find the best plan for you

How it Works

We have three simple steps we always follow at HERO loan. This makes the process efficient.
Get Pre Approved

We have a conversation about how your goals and home financing needs. 

Collect & Submit Documents

We collect everything up front because this ensures a smooth underwriting process and a clean approval. 


We finalize everything and sign the paperwork. You close on your loan and continue to protect and serve.

Loan Programs Available for Law Enforcement

This is a loan for active or retired military. This loan is Zero Down and NO Mortgage Insurance! If the Vet is disabled 10% or more, there is NO Funding Fee either! Loan amounts are unlimited. Terms available are 30, 25, 20 and 15 year. Fixed and Adjustable products are available. Great for our community!

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.

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 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 those looking to build. We offer a one-time close construction loan as well. Save time and money with a single loan on your construction project. 

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.

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

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.