You serve our community. Let us serve you.
Special home-loan incentives for police, firefighters, teachers, and nurses — because the people who take care of everyone else deserve a break too.
Exclusive hero incentives
Special pricing and lender credits designed to lower your cost of buying or refinancing.
Reduced fees
We look for every way to trim closing costs and fees for community heroes.
Buy or refinance
Whether it’s your first home or a refinance, we tailor the benefits to your goal.
“As a nurse, the hero credits saved me real money at closing. They genuinely appreciated my work — it showed.”
Check Your Eligibility
No impact to your credit score to start.
Licensing varies by state.
🔒 Encrypted with SSL/TLS · Soft inquiry — no credit score impact to see your options.
What is the Hero home loan program?
The Hero program offers home-loan benefits for community heroes — police officers, firefighters, teachers, nurses, and other first responders and healthcare workers — pairing flexible qualifying with cost-saving incentives. Pacific Lending helps heroes buy or refinance with a program built to honor their service.
Built for police, firefighters, teachers & nurses
Real advantages tailored to your situation.
Exclusive hero incentives
Special pricing and lender credits designed to lower your cost of buying or refinancing.
Reduced fees
We look for every way to trim closing costs and fees for community heroes.
Buy or refinance
Whether it’s your first home or a refinance, we tailor the benefits to your goal.
A lender that says thank you
Real appreciation for your service — with people who make the process simple.
How it works
Three simple steps from question to keys.
- 1
Tell us your role
Let us know your profession and employer — takes about a minute.
- 2
Verify & connect
Confirm your number and a specialist confirms the incentives you qualify for.
- 3
Get your hero options
Receive your tailored options and savings as a community hero.
Frequently asked questions
Who qualifies as a "hero"?
This program is designed for community heroes — including police and law enforcement, firefighters and first responders, teachers and educators, and nurses and healthcare workers. Tell us your role and we’ll confirm your benefits.
What kind of savings can I expect?
Benefits can include lender credits, reduced fees, and special pricing. The exact savings depend on your loan and situation — we’ll show you real numbers.
Can I combine this with other programs?
Often yes — hero incentives can sometimes pair with down payment assistance or other programs. We’ll help you stack every benefit you qualify for.
Does this work for refinancing?
Yes. Community hero benefits can apply to both purchases and refinances. Let us know your goal and we’ll tailor it.