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 August 23, 2026.

Total value

$2,745

first-time buyer status not required

Who qualifies

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+.

Get pre-approved & lock by August 23, 2026

Where the savings come from

$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

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

Home First Financial

Brett Hickman

Mortgage Loan Originator · NMLS #2010859

+19493508005

Text Brett to check eligibility →