Homes for Heroes: Save on Closing Costs

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Homes for Heroes is a program which aims to make buying, selling or refinancing a home easier and more affordable for first responders, teachers, healthcare providers, military service members, veterans, and more. These classes of professionals are able to receive discounts and get connected to real estate agents and mortgage professionals.

What You Should Know

  • Homes for Heroes is a service program that aims to make homeownership possible for first responders, teachers, healthcare provides, military service members and veterans
  • The program provides a wide network of real estate agents, mortgage lenders, closing service and other services that offer lower fees for the Homes for Heroes members
  • There is no cost to joining the Homes for Heroes program

What is Homes for Heroes?

Homes for Heroes is a program which aims to give back to the community of people that serve the country, such as military service members, firefighters, teachers and other professionals, by making the process of real estate simpler and more affordable. Home for Heroes has a wide network of local affiliated realtors, lenders, home inspection companies, title services and others, who are committed to reduce their fees in order to help members of the Homes for Heroes program become homeowners.

How does Homes for Heroes work?

The program Homes for Heroes consists of two parts which are related to one another:

Home For Heroes Inc.

This is the for-profit side of the program. Home For Heroes Inc. is a network of real estate agents, mortgage providers and other professionals involved in the process of real estate transactions. There are different groups of people that qualify for this discount including:

  • Firefighters and EMS
  • Law Enforcement - police officers, troopers, correctional officers and other law enforcement professionals
  • Military - active, reserve and veteran Army, Navy, Air Force, Marine Corps and Coast Guard service men and women
  • Healthcare Professionals - registered nurses, LPNs, CNAs, doctors and other healthcare professionals
  • Teachers - pre-K, K-12 and postsecondary teachers

The discount depends on the service provided by the individual

Homes for Heroes Foundations

Homes for Heroes Foundation is the non-for-profit side of the program that helps local nonprofits by making grants for housing and financial assistance for military service members, veterans or other professions that qualify for the program. The funds for the Homes of Heroes Foundation come from fees charged by the for-profit side, or Home for Heroes Inc.

Saving on Closing Costs with Homes for Heroes

The discount you will receive on closing costs with Homes for Heroes depends on whether you are trying to purchase, sell or refinance a home. It is the specialists you are working with that will give you a discount in the form of a rebate. For example:

Real Estate Agent

Real estate agent discounts - If you work with an affiliated real estate agent from Homes for Heroes, they may give you a discount of 0.7% of the house's price. This means that if the house costs $200,000, you will receive $1,400 from your real estate agent at closing, which you can use towards other expenses.

On the other hand, if you want to sell your house, the real estate agent may provide you with a 25% discount off their gross commission. Taking the example of the $200,000 house, without Homes for Heroes, you would typically have to pay the seller agent a sum of $6,000, equivalent to 3% of the home's sale price. With homes for Heroes, you can save 25% or $1,500.

Discount on home inspection or title service - If you are planning to use a mortgage to finance the purchase of your home, then by working with the home inspection and title services provided by Homes for Heroes, you may be eligible to get discounts ranging from $50 to $500.

Discounts Available
Real Estate Agent ServicesBuyers: Rebate of 0.7%
Sellers: 25% discount on gross commission
Home Inspection Services$50
Title Services$150
Lender fees$500

Pros and Cons of Home for Heroes

The program presents its own set of benefits and drawbacks for the individuals who decide to join.


Discounts on services - The main obvious advantage of Home for Heroes is that it allows its members to get discounts on multiple services during the home buying, selling or refinancing process.

No cost - There is no cost to joining the program.


Limited Choices - If you become a part of the Homes for Heroes program, you can only work with the affiliated real estate and mortgage specialists. This leaves you with a little room for comparing between lenders or agents. However, if you are currently working with someone not in the program, you can always ask them to connect with Homes for Heroes and become affiliated.

Home for Heroes - FAQ

How much does Homes for Heroes cost?

Home for Heroes costs nothing upfront. However, you will have to pay for the services of the professionals that you work with. This can be a real estate agent, a mortgage lender, or other professionals in the real estate field.

What are Hero Rewards Savings?

Hero Rewards is the amount that a person who is looking to purchase or sell a house would save by working with the network of professionals that Home for Heroes provides. If the individual is looking to sell or refinance, they would receive rewards in the form of reduced lending fees.

Who is eligible to join Homes for Heroes?

Eligible individuals include firefighters and EMS, law enforcement professionals, military service members and veterans, healthcare professionals and teachers. If you are not sure whether you are eligible to join Homes for Heroes, it is best to contact the program directly and ask them.

Any calculators or content on this page is provided for general information purposes only. Casaplorer does not guarantee the accuracy of information shown and is not responsible for any consequences of its use.