Home Loans for Heroes: Special Mortgage Programs & Savings for Community Heroes

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Home Loans for Heroes: How Mojave River Mortgage Helps Those Who Serve Our Communities

Every day, community heroes work tirelessly to protect, educate, and care for others. At Mojave River Mortgage, we believe those who serve our communities deserve access to special home loan opportunities, reduced costs, and expert guidance when buying or refinancing a home.

Our Homes for Heroes–focused lending approach helps eligible borrowers take advantage of federal programs, affordable conventional financing, and exclusive Mojave River Mortgage perks designed to make homeownership more achievable.

Who We Consider a “Hero”

While specific programs have their own eligibility rules, many of the heroes we commonly serve include:

• Teachers and school staff

• Firefighters (career and volunteer)

• Police officers, sheriffs, and law enforcement

• EMTs and paramedics

• Nurses, doctors, and healthcare professionals

• 911 dispatchers and emergency communications staff

• Active-duty military and veterans

• Other public service and community support professionals

Eligibility varies by program, and we help each client identify the best loan option for their situation.

HUD’s Good Neighbor Next Door (GNND) Program

One of the few true federal hero-specific housing programs is HUD’s Good Neighbor Next Door (GNND) program.

GNND Program Highlights:

• 50% discount on select HUD-owned homes

• Available to law enforcement officers, firefighters, EMTs, and K-12 teachers

• Properties must be located in designated revitalization areas

• Buyer must occupy the home as a primary residence for at least 36 months

Inventory is limited, but when available, GNND can be an exceptional opportunity for qualifying heroes.

Conventional Home Loans for Heroes (Fannie Mae & Freddie Mac)

While Fannie Mae and Freddie Mac do not offer occupation-based “hero” loans, their conventional programs are frequently paired with down payment assistance and affordability credits that benefit many community heroes.

Popular Options Include:

• Fannie Mae HomeReady®

• Freddie Mac Home Possible®

• 97% loan-to-value conventional loans with just 3% down

• Compatibility with state, local, and employer-based assistance programs

Some very low-income borrowers may also qualify for agency affordability credits that can be applied toward closing costs or prepaid expenses, based on income eligibility—not occupation.

Mojave River Mortgage Homes for Heroes Perks

In addition to helping heroes navigate federal and conventional loan programs, Mojave River Mortgage offers exclusive in-house benefits for eligible heroes:

💙 Our Hero Benefits Include:

• Free credit reports for eligible heroes

• Free appraisal (reimbursed at loan closing) for eligible heroes

• Combined potential savings of up to $1,000

These perks are designed to reduce upfront costs and make the loan process faster, easier, and more affordable.

Why Heroes Choose Mojave River Mortgage

• Local expertise in California lending

• Access to FHA, VA, conventional, and down-payment-assistance programs

• Clear explanations without misleading “one-size-fits-all” claims

• Personalized guidance to identify the best hero-friendly loan strategy

We don’t believe in overpromising. We believe in matching heroes with real programs that actually work.

Ready to Explore Home Loans for Heroes?

If you’re a community hero thinking about buying or refinancing, let Mojave River Mortgage show you what’s available.

📞 Call (760) 713-6137
🌐 Visit MojaveRiverMortgage.com
🏡 Serving Victorville, Apple Valley, Hesperia, Oak Hills, the Mojave River Valley, and All of California