# 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

"Josh Settersten, was AMAZING to work with. Really really good at what he does. Professional, trustworthy, good listener and tries to get you the best deal out there. I learned so much about getting a mortgage from him. He delivered on all fronts. I am glad I had him in my co
"Josh helped tremendously throughout the entire process of purchasing our first home. He was excellent at communicating and overall exceeded our expectations. I would highly recommend working with Josh!"
"I can not say enough great things about Brandon Wunder! Our loan was complicated to say the least, and Brandon and his team were there with me every step of the way! With every problem he communicated and found a way to solve them. I was so nervous about this process and Br
"Groves Capital is the BEST!! Before purchasing my home, I spoke with several brokers and it was such a hassle. I mean seriously, the initial broker I was working with made me want to give up on buying a house entirely.. And then Groves Capital came along! This dream team rea
"Great company and an awesome team to make it happen an easy and smooth process thanks guys."
"I had the great pleasure of working with Josh. Not only was he super accommodating but he helped me every step of the way! For me personally, this was the first time I ever bought a home and I can certainly say that without Josh it would not have been as smooth! Thank you ag
"June An is the best! Super attentive, responds quickly, and is always there for you every step of the way. I’ve used him for both second home loan, primary home refi, and heloc loans and every time has been a wonderful experience. He acquired great rates, handled all of my q

# 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

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Cal FHA

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Cal STRS

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FHA 203k Loans

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FHA Streamline

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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

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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

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