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Hero incentive

Save up to $2,745 as a first responder

Home First Financial waives up to $2,745 in lender fees (up to $750 appraisal, up to $1,500 underwriting, and the $495 processing fee) for eligible first responders in California, on conforming, FHA, and VA purchases with a loan amount of $300,000 or more. You do not have to be a first-time buyer.

A thank-you to the people who show up for the rest of us. No need to be a first-time buyer. Get pre-approved and lock by June 24, 2026.

What you save

$750

Appraisal

HFF pays up to $750 for the appraisal

$1,500

Underwriting

HFF credits or waives up to $1,500

$495

Processing

HFF waives the $495 processing fee

$2,745

Total value

first-time buyer status not required

Who it fits

  • Sheriff, police, firefighters, paramedics, nurses, EMS, and other emergency personnel.
  • First responders buying any home — you do NOT have to be a first-time buyer.
  • Conforming, FHA, or VA purchases in California of $300,000+.

Straight answers

Sheriff, police, firefighters, paramedics, nurses, EMS, and other emergency personnel. Check with your loan officer for the full list of eligible occupations.

Up to $2,745 in waived lender fees: up to $750 appraisal, up to $1,500 underwriting, and the $495 processing fee.

No. First responders qualify whether or not they have owned a home before.

Conforming, FHA, and VA purchase loans in California with a minimum loan amount of $300,000.

Yes, when underwriting guidelines allow.

Your loan officer

Brett Hickman

Home First Financial

Brett Hickman

Mortgage Loan Originator · NMLS #2010859

+19493508005

Text Brett to check eligibility →