Mortgages for Ministers

You Serve Others, Let Us Serve You

Why HERO Loan?

  • Appraisal credit at closing!
  • Close in 30 days or less
  • 96% closing rate vs. 61% in the mortgage industry
  • We give a portion of our proceeds to a non-profit that supports your mission.
  • 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 the work you do in your community.
ministers mortgage

Giving Back

A percentage of all HERO Loan proceeds are donated to a ministry-related non-profit.

coupon - home mortgage loan

Appraisal Credit*

To honor the contribution that you make everyday to serve 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 rate.

Why Help?

When my children were young, I worked for an organization that helped people in poor parts of the world have clean water, medical clinics, schools for their children, and small business loans. I traveled all over the world raising money for these projects.  It was very fulfilling work, but after a while it took a toll on my family. 

I’ve been an ordained minister since 1991. Pastors, clergy, ministers, missionaries, churches, parachurch ministries do important work and are, in my opinion, undervalued and under-appreciated. I want to honor  ministers and the sacrifice you make to help others. 

Thank you!

-Kevin A. Guttman
Mortgage Broker

How it Works

We have three simple steps we always follow at HERO loan.

Get Pre Approved

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

Collect & Submit Documents

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


We finalize everything and sign the paperwork. You close on your loan and keep doing what you do best. 

Minister Mortgage

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

Loan Options for Ministers

You have options when it comes to home financing. We’ll work together to find the best option for your situation, family, and goals. 

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.

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 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 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 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.

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. 


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.

Who's a Hero?

  • Pastors
  • Clergy
  • Ministers
  • Missionaries
  • Those who work in churches and parachurch ministries.