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Watch this video for the next steps on getting the maximum savings of your home purchase
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STEP 1: Complete Application
STEP 2: Book Free Consultation
STEP 3: Claim Your Benefits
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Thank You For Contacting Us!
We’ll get in touch to verify your eligibility.
Download Your Free Guide
Watch this video for the next steps on getting the maximum savings of your home purchase
Download Your Free Guide
Download Your Free Guide
It’s an exciting feeling to be taking this next step toward achieving homeownership!
It’s an exciting feeling to be taking this next step toward achieving homeownership!
At the Hero Home Programs, we want you to get the maximum benefits and savings when buying your dream home.
As part of your journey towards homeownership, there are actionable steps you can take that will help you qualify for the highest level of home benefits that are
available to you!
By participating in the Hero Home Programs, we are here to help guide you through those next steps, because we want you to get into the dream home you love - at a great price that you can afford.
At the Hero Home Programs, we want you to get the maximum benefits and savings when buying your dream home.
As part of your journey towards homeownership, there are actionable steps you can take that will help you qualify for the highest level of home benefits that are
available to you!
By participating in the Hero Home Programs, we are here to help guide you through those next steps, because we want you to get into the dream home you love - at a great price that you can afford.
Below is a list of the next steps toward getting the most benefits possible when purchasing your home.
(Oh and if you’ve already completed these, then congratulations! You’re already ahead of the game!)
Below is a list of the next steps toward getting the
most benefits possible when purchasing your home.
(Oh and if you’ve already completed these, then congratulations! You’re already ahead of the game!)
Steps To Getting The Maximum Savings On Your Home Purchase
STEP 1
Build your credit score to 640+
Reaching a score of at least 640+ can help you qualify for the maximum benefits available - while also giving you a better chance of getting a lower interest rate (and lower monthly payments) on your mortgage!
At the Hero Home Programs, we want to do everything in our power to help you with your credit if that’s something you need, because the higher your credit, the MORE SAVINGS you can qualify for on your home purchase!
CLICK HERE for a Free Credit Repair Guide with information on how to boost & maintain your credit score.
STEP 1
Build your credit score to 640+
Reaching a score of at least 640+ can help you qualify for the maximum benefits available - while also giving you a better chance of getting a lower interest rate (and lower monthly payments) on your mortgage!
At the Hero Home Programs, we want to do everything in our power to help you with your credit if that’s something you need, because the higher your credit, the MORE SAVINGS you can qualify for on your home purchase!
CLICK HERE for a Free Credit Repair Guide with information on how to boost & maintain your credit score.
STEP 2
Create a budget
As you’re gearing up to buy a home, it’s important to know exactly how much money you have coming in and going out of your household. If it’s been a while since you last reviewed your budget and expenses, now’s a great time to!
Here are 3 benefits to creating a budget when preparing to buy a home:
Determine how much you can comfortably afford as far as a monthly mortgage payment
Get crucial info you need to create a plan or strategy for saving
Identify any spending habits you can improve or extra expenses you can eliminate
To create your budget: First, write down your total monthly and yearly income after taxes. Make sure to take ALL your sources of income into account.
Go back through your bank statements and credit card charges to review your monthly spending. List out all your fixed expenses (rent, utilities, phone bills, car payment, etc) in one column.
Next, create a list of all your variable expenses (groceries, fun, shopping, etc) in another column. Because these expenses change from month to month (especially during the holidays), you may want to go back over the last 3-6 months and find the average to estimate your monthly variable expenses.
STEP 2
Create a budget
As you’re gearing up to buy a home, it’s important to know exactly how much money you have coming in and going out of your household. If it’s been a while since you last reviewed your budget and expenses, now’s a great time to!
Here are 3 benefits to creating a budget when preparing to buy a home:
Determine how much you can comfortably afford as far as a monthly mortgage payment
Get crucial info you need to create a plan or strategy for saving
Identify any spending habits you can improve or extra expenses you can eliminate
To create your budget: First, write down your total monthly and yearly income after taxes. Make sure to take ALL your sources of income into account.
Go back through your bank statements and credit card charges to review your monthly spending. List out all your fixed expenses (rent, utilities, phone bills, car payment, etc) in one column.
Next, create a list of all your variable expenses (groceries, fun, shopping, etc) in another column. Because these expenses change from month to month (especially during the holidays), you may want to go back over the last 3-6 months and find the average to estimate your monthly variable expenses.
STEP 3
Evaluate your income verification
Your income will play a big role in getting you approved for a home loan. Having a general idea of how income verification works will help you go into the home buying process with your eyes wide open.
Add up all your income sources
Determine whether your income sources are stable and likely to continue
Learn what it takes to verify your income when buying a home
Understand what types of secondary or non-traditional income sources may be taken into account when getting approved for your home purchase
Click here for more information on income verification.
STEP 3
Evaluate your income verification
Your income will play a big role in getting you approved for a home loan. Having a general idea of how income verification works will help you go into the home buying process with your eyes wide open.
Add up all your income sources
Determine whether your income sources are stable and likely to continue
Learn what it takes to verify your income when buying a home
Understand what types of secondary or non-traditional income sources may be taken into account when getting approved for your home purchase
Click here for more information on income verification.
STEP 4
Calculate your debt-to-income (DTI) ratios
You do not absolutely have to pay off all your debts in order to buy a home. However, it’s important to understand how much of your income is allocated toward paying off debt. This can help you get a clearer picture of your finances and identify any areas that you can improve.
Learn how to calculate your debt-to-income (DTI) ratio
Know what the ideal DTI ratios are when buying a home
Use the ideal Housing Expense DTI to get a rough estimate of what you can afford as far as a monthly mortgage payment
Click this link for more information on DTI ratios.
STEP 4
Calculate your debt-to-income (DTI) ratios
You do not absolutely have to pay off all your debts in order to buy a home. However, it’s important to understand how much of your income is allocated toward paying off debt. This can help you get a clearer picture of your finances and identify any areas that you can improve.
Learn how to calculate your debt-to-income (DTI) ratio
Know what the ideal DTI ratios are when buying a home
Use the ideal Housing Expense DTI to get a rough estimate of what you can afford as far as a monthly mortgage payment
Click this link for more information on DTI ratios.
STEP 5
Start saving for closing costs, moving costs, and down payment (if applicable)
Compared to renting, homeownership comes with a lot more responsibility - and extra expenses that go along with that. That’s why we recommend saving up ahead of time, because we want you to have peace of mind knowing you’re prepared for the extra expenses that come with owning a home.
Some expenses that you may need to account for include the down payment (if applicable) and closing costs. But it’s also a good idea to have extra savings on hand for moving costs, emergency repairs, and maintenance.
Click here for more information on down payment, closing costs, and cash to close.
STEP 5
Start saving for closing costs, moving costs, and down payment (if applicable)
Compared to renting, homeownership comes with a lot more responsibility - and extra expenses that go along with that. That’s why we recommend saving up ahead of time, because we want you to have peace of mind knowing you’re prepared for the extra expenses that come with owning a home.
Some expenses that you may need to account for include the down payment (if applicable) and closing costs. But it’s also a good idea to have extra savings on hand for moving costs, emergency repairs, and maintenance.
Click here for more information on down payment, closing costs, and cash to close.
The Hero Home Way – Why We Do It
There’s no describing the feeling of walking into a home that you own for the first time. In the past, many Americans felt like homeownership would never be a realistic option for them. At the Hero Home Programs, we believe owning a home should be a reality for everyone. Our accredited advisors are here to help you save the most money possible on your home purchase, so you can get into a home you love both quickly and affordably.
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Any resources published by The Hero Homebuyer Programs™ are for general, educational purposes only, do not constitute personalized financial advice, are not guaranteed to provide accurate results, and should not be used directly to make decisions on home offers, purchasing decisions, or loan selections. Seek counsel from a licensed real estate agent, loan originator, financial planner, accountant, and/or attorney for real estate, legal, and/or financial advice. The Hero Homebuyer Programs™ is not affiliated with any government agency. For our full disclaimer regarding all resources published by The Hero Homebuyer Programs™ , click here.
Copyright © 2023 All rights reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Savings, if any, vary based on consumer’s credit profile, interest rate availability, and other factors. Contact lender for current rates. Restrictions apply. Equal Housing Lender.
