Trusted Mortgage Broker Serving Heroes Across the U.S.

Whether you’re a veteran, teacher, first responder, or healthcare professional, the Hero Mortgage Loan program is designed to support your path to homeownership. With fast closings, low or no down payment options, and up to $750 in appraisal credit, we make it easier to move forward with confidence.

Want to know what you can afford or qualify for?
Contact Kevin today for solid mortgage advice and a quick review of your options.

Kevin Guttman

Sr. Mortgage Broker

NMLS #384936 C2: NMLS #135622

Hero Mortgage Loans by State

Colorado Hero Mortgage Loan

From Denver to Colorado Springs, we help Colorado’s veterans, teachers, and first responders access exclusive home loan benefits. Learn how our local support and fast closings make homeownership easier across the state.

Serving New Mexico’s community heroes with flexible mortgage solutions, low down payment options, and expert support. Discover how we make buying or refinancing a home more accessible across the Land of Enchantment.

Utah Hero Mortgage Loan

Whether you’re in Salt Lake City or St. George, our Hero Mortgage Loan program brings tailored home financing to Utah’s veterans and essential workers. Explore your options and unlock exclusive loan benefits.

Helping Arizona’s teachers, medical professionals, and veterans achieve their homeownership goals with trusted guidance and real savings. Find out how our program serves heroes across the Grand Canyon State.

Proudly supporting Kansas heroes with personalized mortgage solutions, fast closings, and no-nonsense service. Whether you’re buying or refinancing, we’re here to help across every corner of the state.

Oklahoma’s educators, law enforcement, and service members deserve real support. Learn how our Hero Mortgage Loan program delivers meaningful benefits and reliable financing across the Sooner State.

Everything is bigger in Texas, including our commitment to community heroes. From Austin to El Paso, we offer trusted mortgage solutions designed to serve those who serve others.

Idaho Hero Mortgage Loan

Idaho Hero Mortgage Loans

We provide Idaho’s veterans and essential workers with simple, affordable home financing. Whether you’re in Boise or Twin Falls, our program makes homeownership possible for heroes statewide.

California’s diverse communities rely on dedicated public servants. We help veterans, educators, and first responders across the state access flexible loan options and exclusive savings.

Oregon Hero Mortgage Loan

Built for Oregon’s heroes, our mortgage program combines fast closings, low down payment options, and personal service. Explore how we support public service professionals from Portland to Medford.

Washington Hero Mortgage Loans

From Seattle to Spokane, our Hero Mortgage Loan program helps Washington’s community heroes find the right home loan with confidence and clarity. Learn more about your options today.

Hawaii Hero Mortgage Loans

We proudly support Hawaii’s heroes with mortgage solutions as dependable as their service. Whether on Oahu or the Big Island, you’ll find expert guidance and local support every step of the way.

Tennessee’s veterans, teachers, and healthcare workers deserve a mortgage program that works. Discover how our Hero Mortgage Loan helps heroes across the state achieve affordable homeownership.

Alabama Hero Mortgage Loans

From Birmingham to Mobile, we help Alabama’s essential workers secure home loans that match their service. Explore local options tailored to veterans, teachers, and first responders.

Michigan Hero Mortgage Loans

Michigan Hero Mortgage Loans

In cities across Michigan, we’re helping heroes turn their homeownership goals into reality. Learn how our mortgage solutions provide real value and flexibility statewide.

Ohio’s public service professionals count on us for trusted mortgage guidance. With statewide coverage, we offer fast closings, low down payment programs, and personalized support.

From Pittsburgh to Philadelphia, we support Pennsylvania’s heroes with dependable mortgage options. See how our program honors your service and makes buying a home more affordable.

Helping Florida’s veterans, educators, and first responders navigate the home loan process with confidence. Discover exclusive benefits and expert support available across the Sunshine State.

Frequently Asked Questions – Hero Mortgage Loan by State

We know applying for a home loan can come with a lot of questions — especially when you’re balancing service to your community with planning your future. This section covers the most common questions about our Hero Mortgage Loan program, eligibility by state, how the process works, and how to get started with confidence. If you still have questions, we’re here to help.

A Hero Mortgage Loan is a home financing program created for veterans, teachers, medical professionals, firefighters, police officers, and other essential workers. It offers exclusive benefits such as low or no down payment options, up to $750 in appraisal credit, fast closings, and access to multiple loan types including VA, FHA, USDA, and conventional home loans.

Yes, we proudly serve community heroes across the following states:

Colorado, New Mexico, Utah, Arizona, Kansas, Oklahoma, Texas, Idaho, California, Oregon, Washington, Hawaii, Tennessee, Alabama, Michigan, Ohio, Pennsylvania, and Florida.

Each state has its own dedicated page where you can explore local eligibility guidelines, available loan types, and exclusive benefits like up to $750 in appraisal credit and low or no down payment options.

Want help figuring out your best path forward?
Book a quick call with Kevin and he’ll personally walk you through the process, explain how everything works, and help you find the loan options that are right for your situation.

While the core benefits of the Hero Mortgage Loan program remain the same, some state-specific guidelines may apply based on local housing markets, property types, and eligible assistance programs. Each state page provides tailored details to help you understand what’s available where you live.

Eligibility includes a wide range of community-focused professionals such as military veterans, active-duty service members, teachers, police officers, firefighters, nurses, EMTs, and other frontline workers. If you are not sure whether your role qualifies, reach out and we’ll walk you through the options.

We offer a variety of home loan solutions including VA loans for veterans, FHA loans for lower down payments, USDA loans for rural buyers, and conventional loans for those with strong credit. Each loan type is matched to your goals and your state’s market.

Yes, refinancing is available through the Hero Mortgage Loan program. Whether you want to lower your interest rate, eliminate mortgage insurance, or tap into your equity, we provide refinance options with the same benefits and support as a purchase loan.

Income and credit guidelines vary depending on the loan type and your state’s local regulations. We work with a wide range of credit profiles and financial backgrounds, and we can help you find the best fit for your situation.

Start by selecting your state from the list above. Each page includes details about eligibility, available loan options, and how the Hero Mortgage Loan process works in your area.

If you’d prefer to speak with someone directly, book a quick call with Kevin. He’ll walk you through the process, answer your questions, and help you understand the best mortgage options based on your profession, goals, and location.

Book your call with Kevin now to get started.