At VAFastLoans.com, we believe in serving those who serve us every day. We are proud to offer an exclusive First Responder Home Loan Program designed to reward California’s Police, Firefighters, and Veterans with significant savings when they buy, sell, or refinance a home.
This program is our way of giving back to the heroes who dedicate their lives to protecting and caring for our communities and residents.
Who is Eligible for Our First Responder Program?
Our program is for homeowners or homebuyers who have served or been employed in one of these essential career fields. Current employment is NOT required.
- Law Enforcement: Peace Officers, Sheriffs, Tribal Rangers, Border Patrol Agents, Correctional Officers, and their administrative support staff.
- Fire & Rescue: Firefighters, Paramedics, EMTs, and their administrative support staff.
- Veterans & Military: Any Veteran, retired or active-duty military, or reservist. This includes VA loans, even without remaining entitlement.
Benefits of Our First Responder Home Loan
We help you save money through a powerful combination of benefits:
- Discounted Interest Rates
- Generous Lender Credits to help cover closing costs
- $0 Lender Fees (no application, processing, or underwriting fees)
- No Rate Lock Fee
- Flexible Underwriting to help you qualify
- May Be Combined with approved down payment assistance programs
Down Payment Assistance Program
We also offer a Down Payment Assistance Grant for those who are eligible and in need. This grant can be applied towards your down payment, and it is not limited to first-time homebuyers. Ask our specialists for details.
Program Guidelines
- For: Home purchases or refinances
- Loan Programs: Conventional, FHA, VA, and USDA
- NOT Limited to first-time homebuyers
- Minimum Credit Score: As low as 580 – 620 (varies by program)
- Down Payment: As low as $0 – 3.5% (gifted funds are allowed)
- Loan Terms: 15 or 30-year fixed-rate mortgages
Eligible Properties: Single-family homes (1-4 units), condos, manufactured homes (built after 1976), and primary or secondary residences.
Refinance and Save!
If you have an existing loan and feel you’re paying too much, refinancing with our program could help you save hundreds of dollars on your monthly mortgage payment.
Frequently Asked Questions (FAQ)
Q: Does this program provide down payment assistance?
A: Yes. Our Down Payment Assistance Grant feature provides help for eligible borrowers. You do not have to be a first-time homebuyer to qualify.
Q: Is this program related to the HERO energy loan program?
A: No. Our First Responder Home Loan Program is not connected to Renovate America or the HERO program for energy-efficient upgrades. We provide mortgage financing for home purchases and refinances.
Q: Do these loans take longer to close?
A: No. We pride ourselves on fast, efficient service. Loans typically close on time, often in as little as 15-30 days, as they don’t require a slow third-party approval process.
Q: Do I qualify if I’m retired?
A: Absolutely. If you are retired or can document previous service in an eligible field, you qualify for our program.tact us today to start your application and secure your benefits.