Heroes Program · Arizona
Our Champions: Home Loan Savings for the People Who Serve
Teachers, nurses, doctors, police officers, firefighters, EMTs, military and veterans. You show up for everyone else. When it’s time to buy or refinance a home, this team shows up for you, with real savings attached.
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What the Champions program actually gives you
Plenty of lenders slap a hero label on ordinary loans. This program is simpler and more honest: qualifying professionals receive a lender credit toward closing costs, priority processing so your file never sits in a queue, and underwriting guidance that understands how your income really works, from overtime and shift differentials to stipends, per-diem work, and seasonal contracts.
The savings stack on top of whatever loan fits you best. Champions clients use conventional, FHA, VA, and even bank statement programs; the credit follows you to whichever path wins.
Teachers & School Staff
Educator home loans with credit for the classroom heroes of Orange and LA County.
Doctors, Nurses & EMTs
Healthcare underwriting that understands 1099 shifts, travel contracts, and new-attending income.
Police & Law Enforcement
Overtime-friendly qualification and closing credits for the officers who keep our cities safe.
Firefighters
Underwriting built for 24-hour shifts, FLSA pay, and side businesses between tours.
Military & Veterans
VA loans with zero down and no monthly mortgage insurance. You earned this benefit; use it well.
Frequently asked questions
Who qualifies for the Champions program?
Active and retired teachers, school employees, healthcare workers, police and sheriff personnel, firefighters, EMTs, active-duty military, reservists, and veterans. If your profession serves the community and you are not sure whether it counts, ask; the answer is usually yes.
Can I combine Champions savings with a VA or FHA loan?
Yes. The Champions credit applies at closing regardless of which loan program you use, so a veteran firefighter can use a zero-down VA loan and still receive the closing-cost benefit.
Does the program cost anything or change my rate?
No. There is no fee to participate and your rate is priced the same way as any comparable file. The benefit is a credit toward your closing costs plus service built around your schedule, including evenings and weekends.