Home Loans for
Delivery & Transportation Drivers
Efficient loan process and on-time closing
Who’s a Hero?
You’re a hero!
You deliver important documents, products, food, mementos, letters and so much more safely and on time. Long haul truckers, USPS, FedEx, DHL, and UPS drivers, thank you!
You help people get from where they are to where they need to go. Bus drivers, airline pilots, flight attendants, and train conductors all make the world go around.
You are a crucial piece to our society and without you we’d fall apart!
Giving Back
A percentage of all HERO Loan proceeds are donated to a related non-profit.
Why Help?
I loaded package cars for UPS.
When I was a grad student, I woke up early and loaded package cars for UPS because the company was so flexible with my crazy class schedule. It helped me provide for my family while in school. I remember how challenging it can be and I have a ton of respect for all delivery service people.
Whether you drive a semi on a long haul or for FedEx or USPS, you’re a hero because you safely deliver important things for everyone. The world would stop without you, thank you!
-Kevin A. Guttman
Mortgage Banker
Appraisal Credit* at Closing
To honor the contribution that you make everyday to drive others and deliver goods, 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.
We think it’s about time someone had your back and we want to thank you for the work you do in your community.
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 supports drivers
- We take time to explain and instruct so you can make the best decision for you and your family.
- 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
Our Efficient Process
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 up front because this ensures a smooth underwriting process and a clean approval.
Closing
We finalize everything and sign the paperwork. You close on your loan and keep doing what you do best.
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 Programs Available for Drivers
Conventional
All in One Loan
VA Loan
FHA
USDA
Reverse Mortgage
Construction to Perm.
Conventional
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 most people. Loan limits are $548,250.
All in One Loan
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. AIOloan.net
VA Loan
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!
FHA
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.
USDA
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.
Reverse Mortgage
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
Construction to Perm.
For those with ambition to build. We offer a one-time close construction loan as well. Save time and money with a single loan on your construction project.