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HEROES DESERVE HOME COME CREDITS.
The Hero Home Credits Program through Real on Rise International Realty Inc. & Real on Rise Capital Inc. NMLS 2493728 is designed to help first responders achieve homeownership with stronger financial positioning. The program is first-time homebuyer friendly and created for eligible firefighters, police officers, and EMTs seeking a structured path to home financing.
Program guidelines typically include:
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Minimum 660+ FICO score
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Up to 46.9% maximum DTI for qualified buyers
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Minimum $10,000+ monthly income
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At least 2 years of consistent employment within the department
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Minimum 2 years of stable income history with no major employment gaps
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Program credits may be applied toward closing costs and, in some cases, help reduce upfront financial obligations to strengthen the buyer’s overall purchasing position.
This program is designed to support the individuals who protect and serve our communities by providing a clearer and more financially accessible path toward homeownership.
Our mission is to create strategic pathways to homeownership through education, guidance, and responsible financing solutions. We believe buying a home should be approached with clarity, confidence, and long-term financial positioning, which is why we focus on helping clients understand every step of the mortgage and real estate process. By combining real estate expertise with lending solutions, our team is committed to helping individuals and families build stability, equity, and generational wealth through homeownership.
Primary Home Loans for 1st Home Buyer's
As an Added Value
We provide guidance across a wide range of financing solutions, including FHA, Conventional, and conforming loan programs backed by Fannie Mae and Freddie Mac. By understanding the differences between these programs, we help clients identify financing options that best align with their income structure, credit profile, down payment goals, and long-term financial strategy. Our approach focuses on educating borrowers while positioning them for the strongest possible mortgage solution based on their individual financial scenario.
FHA
FHA loans are government-backed mortgage programs designed to help buyers achieve homeownership with more flexible qualification guidelines. These programs are commonly used by first-time homebuyers and may allow lower down payment requirements, flexible credit qualifications, and higher debt-to-income allowances compared to some conventional financing options. FHA financing can be beneficial for buyers seeking a more accessible path to homeownership while maintaining competitive financing terms
Conventional Home Loans
Conventional loans are traditional mortgage programs that are not government-insured and are commonly used by borrowers with stronger credit profiles and stable income history. These programs may offer competitive interest rates, flexible property options, and lower long-term financing costs depending on the borrower’s qualifications. Conventional financing can also provide options for lower down payments, primary residences, second homes, and investment properties.
Fannie Mae & Freddie Mac
Many conventional mortgage programs are backed by Fannie Mae and Freddie Mac, which help create liquidity within the housing market by purchasing mortgage loans from lenders in the secondary mortgage market. These programs establish standardized lending guidelines related to credit, income, reserves, and property eligibility while helping expand access to mortgage financing for qualified borrowers. Their role in the secondary mortgage market helps lenders continue providing financing opportunities through consistent loan availability and competitive mortgage products.
