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ATTN: First Responders, Healthcare Professionals, Educators, Veterans, Military Service Members, First-Time Homebuyers

We have special options to help you purchase a home with a low or NO down payment.

Hero Home Programs

Introducing the Hero Home Programs™

When purchasing or refinancing a home, are you looking to maximize your financial benefits? Look no further than the Hero Home Programs™ offered by USA Lending. Our comprehensive set of programs covers all the research for you, ensuring you can take advantage of the maximum financial benefits available.

These benefits come in various forms, including down payment assistance and government grants you may qualify for. You may be surprised to learn that city, state, and county grants are waiting to be utilized. However, the benefits extend beyond just grants. The Hero Home Programs™ offer a range of advantages that work together to provide you with the best value on your home purchase.

What sets the Hero Home Programs™ apart is our personalized approach based on your unique situation. We understand that every individual has different needs and goals. Our programs are designed to secure the best interest rates available and tailor a loan package that makes the most sense for you.

We go the extra mile by conducting thorough research to identify all the benefits you qualify for. Our accredited lenders will create a customized loan package that combines these benefits with the best financing options tailored to your circumstances.

A vital aspect of the Hero Home Programs™ is considering your needs and long-term goals. We want to ensure your financial freedom and provide you with accurate financial options down the road. Whether you are just starting your home-buying journey or have already completed the process, the Hero Home Programs™ are with you every step.


How to Prepare for Your Homebuyer Benefits Call

During your Homebuyer Benefits Call, our goal is to match you with the best homebuyer benefits available to you. To make the most of this call and ensure we provide you with the ideal situation, we encourage you to reflect on your unique home-buying goals.

Take a moment to ask yourself: What do I want to accomplish by owning a home? This journey is about your goals and aspirations, free from external pressures or expectations. Whether you seek more space for a growing family, a cozy space to call your own, or opportunities in a better neighborhood, understanding your goals is essential.


To better prepare for your appointment, consider the following steps:

Determine your home-buying timeline: Are you looking to buy a home as soon as possible, or would you prefer to wait a few months? Timing plays a vital role in maximizing the benefits available to you. We consider your goals and timeline to ensure you receive the best value now and in the future.

Estimate your credit score: While other lenders may run your credit immediately, we take a different approach. We prefer to wait for the right time to protect your score. However, having a ballpark estimate of your credit score allows us to gain insight into your financial situation and work with you to improve your chances of qualifying for the maximum benefits.

Summarize your employment history: Briefly outline your employment history, including your current job or field. This information provides context during your conversation with our Hero Home Programs™ lender.

Review your income and debts: A quick look at your current income and any debts can help us assess your eligibility for grants, programs, or benefits. It allows us to guide how to position ourselves for the maximum benefits.

Write down questions: Your Homebuyer Benefits Call is an excellent opportunity to ask questions and gain vital information about the home-buying process. Feel free to ask any questions you have. If additional questions arise after the call, our lender will address them.


Frequently Asked Questions

Who is eligible for the Hero Home Programs™?

Eligibility for the Hero Home Programs™ extends to various individuals, including First Responders, Healthcare Professionals, Educators, Veterans, Military Service Members, First-Time Homebuyers, and more. Please contact your trusted Mortgage Advisor to determine your eligibility and explore the available programs.

Are there any fees associated with the Hero Home Programs™?

The Hero Home Programs™ have no hidden fees. Depending on your location, various grants and programs may be available. Our accredited lenders conduct the research for you, ensuring you have the best options without wasting time or incurring additional costs.

How can I qualify for the Hero Home Programs™?

Qualification for the program is based on several factors, such as your state, occupation, or military service and the availability of local government and bond programs tailored to your circumstances.

How much can I save if I qualify for the Hero Home Programs™?

The savings you can achieve by qualifying for the Hero Home Programs™ vary based on home price, mortgage amount, and other considerations. On average, however, you can expect to save thousands of dollars on your journey to homeownership by taking advantage of our home programs.



The Hero Home Programs™ offered by USA Lending is designed to provide unparalleled financial benefits for your home purchase or refinance. Our comprehensive research and personalized approach ensure you receive the maximum benefits available. Whether you’re just starting your journey or have reached the finish line, we stand beside you every step, empowering you to achieve your homeownership goals. Contact us today and unlock the full potential of your homebuying experience with the Hero Home Programs™.

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Fill out the questionnaire on this page to start a discussion about your mortgage needs today!

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