How It Works
Program Overview
The California Loans for Heroes Home Loan & Buyers Rewards Program helps eligible service professionals and family members save money through lower rates & lender fees, reduced closing costs, and homebuyer incentives when buying or refinancing a home.
By combining reduced lending costs and incentives funded in part by participating real estate professionals who contribute a portion of their commission toward eligible closing costs, along with dedicated one-on-one guidance from an experienced home loan advisor, the program is designed to make homeownership more affordable, transparent, and rewarding.
Let’s Get You Started
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Step 1: Quick Eligibility Check
Share a few basic details to see if you qualify for program benefits. No SSN required. No obligation.
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Step 2: Personal Strategy Call
Speak directly with a Home Loan Professional to review your goals, qualifications, loan options, and identify possible savings and incentives.
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Step 3: Complete Your Application
Submit your loan application and supporting documents so we can determine exactly what you qualify for and structure the best option.
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Step 4: Get Pre-Approved
Receive a strong pre-approval that gives you confidence and clarity as you prepare to move forward.
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Step 5: Shop With Confidence
Begin your home search or refinance process. If applicable, work with a participating real estate professional who may contribute a portion of their commission toward eligible closing costs.
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Step 6: Close & Celebrate
From accepted offer to final approval, we guide you every step of the way—right up to closing and beyond.
Get Started
- Not a loan application
- No SSN required
- No obligation
- Your information stays private, secure, and is never shared