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Hero Loans For First Responders - No Lender Fees

Built for those who serve. LendFriend’s Hero Loan Programs combine no lender fees, great rates, and excellent service—giving first responders access to conventional, FHA, VA, and jumbo options that many big banks simply can’t offer.

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Who's Eligible for a Hero Loan?

Hero Loans provide premium mortgage benefits with specialized options that recognize your unique financial situation. We make homeownership accessible and affordable across Texas, including Austin, Georgetown, Round Rock, Houston, Dallas, Fort Worth, for those who serve our communities.

First Responders Qualify For Hero Loans
Law Enforcement Qualify For Hero Loans
Medical Professionals Qualify For Hero Loans
Firefighters Qualify for Hero Loans

Why Community Heroes Trust LendFriend With Their Home Loans

At LendFriend Mortgage, our Hero Loan Programs are designed as a simple thank-you to those who serve our communities. Qualified heroes* receive no lender fees, competitive pricing, and priority service—without gimmicks or complicated fine print.

Whether you’re purchasing or refinancing with a conventional, VA, jumbo, or Non-QM loan, our broker model allows us to deliver meaningful savings while providing the high-touch service you deserve.

Here’s why first responders and community heroes choose LendFriend:

  • No lender fees—real savings. Our Hero Loan Programs remove lender fees as a thank-you for your service, reducing upfront costs and improving the overall value of your loan.

  • Competitive pricing across loan types. We compare multiple lenders to secure aggressive pricing on conventional, VA, jumbo, and Non-QM loans—so you’re not limited to one bank’s rate sheet.

  • White-glove service from start to finish. You’ll work with experienced loan experts who communicate clearly, move quickly, and stay accountable through closing.

  • Straightforward process. No sales pressure, no confusing discounts, and no unnecessary steps—just clear guidance and reliable execution.

  • Built for confidence and speed. Strong preapprovals and smooth closings help hero borrowers move forward with confidence, even in competitive markets.

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Why Choose LendFriend for Your Hero Loan?

No Lender Fees as a Thank You
Qualified heroes receive home loan options with no lender fees, helping reduce upfront costs and improve the overall value of their mortgage.

Competitive Pricing Across Loan Types
We compare multiple lenders to deliver strong pricing on conventional, VA, jumbo, and Non-QM loans—so you’re never limited to a single bank’s offer.

Straightforward, Reliable Process
From preapproval to closing, our process is designed to move efficiently without unnecessary steps, surprises, or last-minute changes.

Personal, High-Touch Service
You’ll work directly with an experienced loan expert who prioritizes communication, responsiveness, and execution from start to finish.

Built for Speed and Confidence
Strong preapprovals and smooth closings help hero borrowers move forward confidently in competitive markets across Texas.

Take the First Step Toward Homeownership With Confidence

LendFriend's Hero Loans program removes the obstacles that often prevent heroes from purchasing homes. Our straightforward approach eliminates high upfront costs and simplifies the approval process, giving you confidence when entering the housing market.

Discover your hero benefits through our simple online eligibility check with no credit impact. Our digital application provides immediate feedback and connects you with a dedicated loan officer within one business day.

 

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FAQs For Hero Home Loans

Who qualifies for a Hero Loan?
  • Medical Professionals: Includes all medical doctors (MDs), physician assistants (PAs), registered nurses (RNs), certified nursing assistants (CNAs), licensed practical nurses (LPNs), Radiologic Technologists (X-Ray Techs), physical therapists, Speech-Language Pathologists (SLPs working in a medical facility), dentists (DDSs) and dental assistants (CDAs)
  • First Responders: Includes public, private, and volunteer firefighters, paramedics and EMTs
  • Law Enforcement: Includes uniformed officers, detectives, state police, highway patrol, sheriffs, special jurisdiction police, air marshals, border patrol agents, crime scene investigators, corrections officers and federal law enforcement officers

Eligibility must be validated through verification of employment and job title/position. Current employment badges and paystubs are acceptable.  Applicants must meet standard underwriting criteria for approval; qualified borrowers only. Note, rate discount will be applied after application approval is processed. Offers are subject to change and may be withdrawn at any time. Rates subject to change at any time. Other restrictions may apply

Can I combine a Hero Loan with other assistance programs?

Yes, Hero Loans can be combined with many down payment assistance programs including the Texas State Affordable Housing Corporation's Homes for Texas Heroes program.

What credit score is recommended to qualify for a Hero Loan?

While we recommend a minimum credit score of 620 to qualify and a 720+ credit score for optimal rates, we work with heroes across various credit profiles and offer specialized assistance for credit improvement.

Are Hero Loans available for refinancing an existing mortgage?

Absolutely, our Hero Loans program extends to refinancing options with the same zero lender fee benefit, potentially saving thousands compared to traditional refinancing costs.

Confidence comes with learning...

Our Learning Center is built to support those who serve, with straightforward education on homebuying and refinancing—explaining the process, the options, and the tradeoffs so you can move forward with confidence. Read a few of our favorite articles below.