Apply Now

Hero.Loan is Designed to Serve America’s Heroes

Buying a home is the American dream. No one deserves to achieve that dream more than the men and women who have served our country. Our American veterans and military personnel have earned that right, by protecting it for the rest of us. That’s why we created the Hero.Loan. Our new VA Loan program makes it simpler and more affordable for veterans and military families to get the home loans they deserve.

Hero.Loan isn’t just another VA Loan Program team spent a year-and-a-half developing The Hero Loan program with three goals in mind:

  1. Streamline the home loan process, taking the hassle out of qualifying for and getting a VA mortgage
  2. Deliver the best mortgage product of its kind to our customers, along with an even more personalized loan experience
  3. Make financing or refinancing a home more affordable for those who’ve already given so much: our veterans, military personnel and their families

“We Close VA Loans in 14 Days!”

The Hero Loan allows our team of home loan experts to offer you the kind of service you should expect from your lender. At Hero.Loan we offer you:

More Personalized Service

Our team of customer service experts go out of their way to create a personalized loan experience for our customers. We will meet with you face to face, in your home, on base, at work, or wherever you like. It’s important for us to get to know you, so we can tailor your loan to your specific needs, and for you to get to know us in a space that is comfortable to you and at a time that works for your schedule.

We Do the Heavy Lifting

Qualifying for a VA home loan requires a lot of steps, starting with the VA’s Certificate of Eligibility. Through the Hero Loan program, our team lightens your load by helping with every step of the loan process, starting with getting your VA Loan Certificate of Eligibility. We do all the VA paperwork for you!You Save Time

We are a direct-endorsed VA Lender. That means much quicker turnaround times for you. While most lenders take up to 120 days to complete a VA loan, we can close in as little as 14 days. Imagine it: you in your new home in just two weeks.

You Save Money – No Out-of-Pocket Costs EVER

We underwrite all our VA loans in house. That means lower mortgage rates for you and no upfront or out of pocket costs—that includes the appraisal. At Hero.Loan, there are never appraisal fees, or any other out of pocket costs.

We Give Back to Those Who’ve Served

We have partnered up with Fisher House Foundation, which gives military and veterans’ families a place to stay while their loved one receives medical treatment. We’re proud to support Fisher House and the more than 300,000 military and veterans’ families they have served. We are always looking for opportunities to give back to those who’ve given us so much. Our team gives back to military and veterans causes more than anyone else in the industry.

  • Bataan Death March – The Bataan Memorial Death March is an annual event memorializing the men who died in the Bataan Death March. The 26.2-mile march over high desert terrain at White Sands Missile Range in New Mexico honors the heroic service members who made the ultimate sacrifice during World War II.  Our founder and President Ryan Kelley attends annually, completing the march through injury to pay his respects to these heroes.
  • PTSD Climb – This season, The Home Loan Expert team sponsored a rock wall at Ballpark Village in St. Louis during every Friday Cardinals home game to benefit those  suffering from PTSD.  Every cent of the proceeds went towards PTSD charities.

Why call our VA Specialists for your Hero Loan?

We’re on a mission to help veterans, military personnel and their families achieve the American dream of homeownership by taking care of the VA Loan process for you. To that end, our new VA experience offers:

  • Personalized Service – We come to you
  • We get your VA Loan Certificate of Eligibility for you
  • Lower mortgage rates
  • Close in a little as 14 days
  • No upfront or out-of-pocket costs
  • Every Hero Loans closed raises funds for Fisher House


We created Hero.Loan to be the hassle-free, low cost VA Loan you deserve. Let us help you get into your new home or refinance your current home. It’s the least we can do, after you’ve worked so hard to protect ours. We’d be honored to serve you.