# Mortgage Basics

Hero Mortgage

Groves Hero Mortgage is a real estate reward savings program for Firefighters, Police Officers, Teachers, Nurses and Veterans. Our Hero Mortgage program is intended to help meet the needs of the state's first responders and teachers by providing no down payment and low interest rate loans. 

Loans may be used to purchase or refinance home purchases with limited cash-out, completely or partially fund your college education expenses and consolidate student loans.

Hero Program down payment and closing cost assistance program varies by region for first time homebuyers. 

  • Some loan programs offer up to $10,000 for downpayment and up to $5,000 for closing costs. 
  • In order to qualify for a Hero loan you must be buying a home in one of the designated areas.

To find out if you qualify for this amazing loan please contact one of our trained loan officers and we can help you with the application process today!

Up to
80%
LTV - Purchase
80%
LTV - Rate & Term
75%
LTV - CASH OUT
30 - 40
Year Fixed
IO Options
$250K up to $8M

Apply Now

# Apply For Hero Mortgage

Hero Loans vs. Conventional Home Loans?

Our Hero Mortgages start at 1% down and fully include the Closing Cost Program to all qualified borrowers. 

Qualified homebuyers who use their Hero Mortgage online application can receive up to a $6,000.00 down payment and closing cost assistance loan in one easy step!

Apply Now
(866) 382-1466

Testimonials

"Mike Reeves was absolutely amazing. The best loan officer I could have asked for. He was there every single step of the process and answered all my questions immediately. I would HIGHLY recommend him to anyone looking to purchase! Great attitude, can do it spirit, and very k
"I recently had the pleasure of working with Lance Gebhart on my journey to becoming a first-time homeowner, and I cannot express my gratitude enough for the outstanding service he provided. From the initial stages of the homebuying process to well beyond the closing, Lance
"I had an incredible first experience with Groves Capital. I was thoroughly impressed with Kristin Howard's ability to consider all options to find solutions using her vast knowledge and experience. Despite a few challenges, she always put in the work to find a way forward be
"Very professional and spent the time and effort needed to complete the loan despite many obstacles Kristen Howard NEVER gave up and placed the loan"
"We just bought a house with the help of Chris Mishima! He was our realtor AND our mortgage broker, which are both difficult jobs separately, yet he did them both so well. The odds weren’t always in our favor, and Chris fought hard for us to get the best deal possible. We are
"Ashley was very helpful and was very pleasant to deal with!"
"Kristin was hands down the most dedicated and hard-working loan specialist I have ever witnessed. I have closed over 10 loans in the last 3 years, and Kristin was hands down the most experienced, knowledgeable and dedicated person I have ever seen. I personally had a pair

# Apply For Hero Mortgage

Why Should You Choose Us?

We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our simple Hard Money Rate Quote.

  • Customer Focused
  • Minimal Documentation
  • In-Houses Controls
  • Best Loan Services
Apply Now
(866) 382-1466
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# Apply Now!

Our Core Purchasing Service

Whether you’re looking to purchase a new home or refinance your existing home,Groves Capital can provide all the help you need.

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Bankruptcy Discharged

We know that each client has unique needs; we’ve built a reputation of being able to deliver a broad menu of options to our clients while maintaining great service and timely delivery.

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FHA Loans

We know that each client has unique needs; we’ve built a reputation of being able to deliver a broad menu of options to our clients while maintaining great service and timely delivery.

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Cal FHA

We know that each client has unique needs; we’ve built a reputation of being able to deliver a broad menu of options to our clients while maintaining great service and timely delivery.

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Cal STRS

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FHA 203k Loans

We know that each client has unique needs; we’ve built a reputation of being able to deliver a broad menu of options to our clients while maintaining great service and timely delivery.

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FHA Streamline

We know that each client has unique needs; we’ve built a reputation of being able to deliver a broad menu of options to our clients while maintaining great service and timely delivery.

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Hybrid ARM

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Interest Only

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Reverse

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Sale Leaseback

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Second Home

We know that each client has unique needs; we’ve built a reputation of being able to deliver a broad menu of options to our clients while maintaining great service and timely delivery.

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VA Irrrl

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VA Veterans Affairs

We know that each client has unique needs; we’ve built a reputation of being able to deliver a broad menu of options to our clients while maintaining great service and timely delivery.

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# Apply For Hero Mortgage

States We Lend In

groves-capital-map

Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario. Give us a call to see what we can do for you.

Apply now
(866) 382-1466