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Military, Veterans, & Community Heroes

Loans Options, Agent Matching, & Real Rewards – We’ve Got you Covered!

HOW WE DEFINE “HEROES”

Our heroes are Active-duty.

Our heroes are veterans.

Our heroes are first responders.

Our heroes are teachers.

Our heroes are EMTs.

Our heroes are civil servants.

Our heroes are Gold & Blue Star families.

Our heroes are family members who support heroes.

Our heroes are Healthcare Professionals.

Our heroes are the people who have sacrificed their time and safety to make the world a better place for the rest of us. It is our pleasure to honor your service and be part of your homeownership journey.

We Are Ready to Help you, Call today!

800-590-2574

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Start an Application

HOW WE HELP HEROES

Loan Consultation

Pre-approval is essential to homeownership. We guide you through each step of the loan process and, if you choose, connect you with an MVP Network Affiliated Agent for your real estate needs, allowing you to participate in the Hero Real Rewards Program.

MVP Agent Matching

Through our partnership with MVP Heroes Housing Network, if you desire, you’ll be matched with a vetted and certified MVP Agent to provide real estate solutions tailored to your needs. If you’re not satisfied, you will be re-matched.

Real Rewards Program

With a home loan from us and representation from an MVP-affiliated Agent, you can receive mortgage credits and rewards at or shortly after closing, based on your home’s criteria and state eligibility.

Getting Mortgage Ready

Not quite ready to purchase? We got you covered. Our parent company, VAREP, is HUD ‘s only Certified Veteran Service Organization, offering free credit and housing counseling to help you achieve the American Dream.

The following 10 states do not allow cash rebates to real estate customers: Alabama, Alaksa, Iowa, Kansas, Louisiana,
Mississippi, Missouri, Oklahoma, Oregon, and Tennessee. Closing cost credits, however, are permissible.

THE VA LOAN APPLICATION PROCESS

Conventional-Mortgages

OBTAIN YOUR CERTIFICATE OF ELIGIBILITY (COE)

Start by obtaining your Certificate of Eligibility to confirm your eligibility for a VA loan. This document is crucial for lenders to verify your military service.

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CHOOSE A VA- APPROVED LENDER

Work with a lender experienced in VA loans to ensure a smooth and efficient process. They will guide you through the application and approval steps.

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EXPLORE YOUR HOME OPTIONS

With pre-approval in hand, start exploring homes within your budget. Remember, VA loans can be used for various property types, including single-family homes, condominiums, and more.

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SUBMIT YOUR OFFER

Once you find the perfect home, submit your offer. Your lender will work with you to finalize the loan details and move toward closing.

Agent Matching and Real Rewards Program

Once you receive loan pre-approval and meet the “Hero” requirements, you can choose to participate in the Real Rewards Program. This will match you with a certified MVP-Affiliated Agent through our partnership with the MVP Heroes Housing Network. As a buyer, you may be eligible for savings such as a closing cost credit or rewards shortly after closing, subject to home criteria and state regulations.

Real Rewards are not available in AL, AK, IA, KS, LA, MS, MO, OK, OR, or TN.

Real Rewards is only eligible for loans closing with USA Homeownership Loans and use of an MVP-Affiliated MVP Agent.

Real Rewards will be paid to homebuyer USA Homeownership Realty – CA DRE Corp. #02064783 which is the broker associated with the MVP Heroes Housing Network.

GIVING BACK – SOCIAL IMPACT

55 HOMES DONATED

MORTAGE-FREE TO DESERVING HEROES

1,500 VETERANS
PLACED IN HOMES

THROUGH VAREP PROGRAMS

2,500 FAMILIES

Have been given a hand up
through VAREP Cares.

1,016 VETERANS

Engaged in Credit Counseling
to improve financial readiness

6,108 VETERANS & SERVICEMEMBERS

Educated on VA Home Loan Benefit, importance of good credit & home buying process through counseling & outreach events

Homeownership Learning Center

EducatE, Inform, and Simplify

See all Guides

Getting Mortgage Ready

As the mortgage division of the only HUD Certified Veteran Service Organization,
VAREP, our clients have access to services getting them mortgage-ready.

Group 40

Pre-purchase

Pre-Purchase counseling helps individuals understand the homebuying process, manage finances, improve credit, and make informed decisions about purchasing a home including downpayment assistance

Group 36

CREDIT COACHING

HUD credit and financial counseling helps individuals manage finances, improve credit, and prepare for homeownership with personalized advice and strategies for financial stability and housing goals.

Group 38

Foreclosure Prevention

Provides homeowners with strategies and support to avoid foreclosure, including personalized advice on managing finances, negotiating with lenders, and exploring alternatives to help them stay in their homes and achieve financial stability.

Get Connected with Housing Counselor

HELP OUR HEROES

Partner with us to support military personnel, veterans, and their families.
Select the program you would like to donate to.

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