Official CalHERO Home Loan & Buyer ProgramExclusive Home Loans
FOR CALIFORNIA HEROES
Helping First Responders, Firefighters, Police, EMS, Healthcare Workers, Military & Teachers save thousands when buying or refinancing a home in California.
Certified CalHERO Lender
Direct access to preferred rates & hero down payment assistance
Giving Back to Those Who Serve California
The CalHERO Home Loan & Buyer Assistance Program is designed specifically to help California's everyday heroes—first responders, law enforcement, firefighters, emergency personnel, military members, healthcare professionals, and educators. It's our way of saying thank you for protecting, serving, and caring for our communities.
Select Your Hero Role to View Qualification Details
Firefighters & EMS Home Loan Benefits
Dedicated to local, state, and federal firefighters, paramedics, emergency medical technicians, and support staff. Enjoy discounted rates, reduced closing fees, and down payment assistance options tailored for emergency responders.
Who Qualifies Under This Category:
Ready to claim your CalHERO benefits?
Takes less than 60 seconds to check your eligibility online.
Key Benefits of the CalHERO Program
Maximize your buying power and reduce your out-of-pocket expenses when purchasing or refinancing your California home.
Reduced Interest Rates
Enjoy discounted interest rates below standard market offerings specifically reserved for California heroes.
Reduced Lender Fees
Save thousands at the closing table with waived or heavily discounted underwriting and processing fees.
Prioritized Processing
Fast-tracked loan underwriting and closing timeline so you can secure your dream home without stress.
Flexible Guidelines
Down payment assistance programs, credit flexibility, and tailored qualification criteria for public servants.
Cash Rebates & Credits*
Receive real estate cash rebates or credits when using our preferred partner network of CalHERO real estate agents.
No Extra Fees to Participate
100% free program access with no hidden fees or obligation. Our goal is to maximize your savings.
* Cash rebate or closing cost credit is available when buyers close their purchase transaction represented by an approved CalHERO real estate agent partner. Rebate/credit is provided directly through participating RE partners.
Need Down Payment Assistance? We Can Help!
Don't let upfront savings or closing costs hold you back from homeownership. With the CalHERO Advantage program, qualified California first responders and public service personnel can access specialized down payment assistance and grants to unlock their dream home today.
Fast Qualification
See how much you can save in 3 quick steps
Step 1
Complete our simple 1-minute eligibility quiz
Step 2
Review tailored loan options & program rebates
Step 3
Get pre-approved & begin house hunting!
Real Stories from California Heroes
Read how the CalHERO program helped first responders, teachers, and service members achieve homeownership.
Thank You for Serving Our Community.
Let Us Help You Home.
Contact our certified CalHERO loan specialists today for personalized guidance, zero-obligation quotes, and rapid pre-approvals.