# 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
(650) 388-0418

Testimonials

"Kristin Howard is absolutely best !!!!!!!!! She stayed on top of my deal until closing date.Cant ask for better service . Thank you Kristin"
"Susan is the BEST! I have done several transactions with her and she has always been so helpful and made the process so easy. These can be stressful but with Susan it is always simple. Highly recommend!"
"We had the pleasure of working with Angel Pierro. He was supportive during this entire process and we would 100% use him again! Highly recommend!"
"I am so grateful to Maricris Duke for being so wonderful and helpful during the entire process. As a first time home buyer, I had a lot of questions and doubts but Maricris was there to answer and explain everything to me. Thank you for all the help to get the loan and ass
"We had a very nice experience and had a quick aprroval!"
"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!"

# 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
(650) 388-0418
About Image 2

# 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.

Round

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.

Learn More
Round

FHA Loans

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.

Learn More
Round

Cal FHA

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.

Learn More
Round

Cal STRS

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.

Learn More
Round

FHA 203k Loans

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.

Learn More
Round

FHA Streamline

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.

Learn More
Groves Inner Page Img 2
Round

Hybrid ARM

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.

Learn More
Groves-Inner-Page-Img-5 1
Round

Interest Only

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.

Learn More
Groves Inner Page Img 3
Round

Reverse

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.

Learn More
Groves Inner Page Img 4
Round

Sale Leaseback

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.

Learn More
Groves Inner Page Img 5
Round

Second Home

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.

Learn More
Groves Inner Page Img 6
Round

VA Irrrl

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.

Learn More
Groves-Inner-Page-Img-6 1
Round

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.

Learn More

# Apply For Hero Mortgage

States We Lend In

groves-capital-map

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
(650) 388-0418