Frequently Asked QuestionsLearn more about Front Range Heroes!
What is Front Range Heroes?
We’re a collaboration of real estate agents and a mortgage loan officer who all agree on the same mission: Making home ownership more affordable and easier for our clients. We share part of our commission checks with our clients at closing, helping them pay their upfront closing costs. We are not a company or a non-profit, just a group of real estate and lending professionals who want to give back. We created FrontRangeHeroes.com to help bring awareness to our unique approach, and to reach more home buyers and sellers than is possible by worth of mouth alone.
How does the *Hero Care Package* work?
Simply buy your home with one of our experienced Realtors and get financing with Guardian Mortgage, and we’ll save you money by sharing our commissions with you. That’s it! There’s no income limit for Front Range Heroes incentives, and you don’t have to demonstrate financial need to get them. All Colorado homes are eligible. You’ll receive the incentives at closing, and they can be used towards closing costs, points to buy down your interest rate, taxes, insurance, etc. The only limitation as a buyer is you cannot use the incentives towards your down payment, per lending regulations. You can even stack these with seller-paid closing costs that are negotiated by your real estate agent. Our home buying clients often pay $0 in closing costs! On the seller side, when you list with one of our Denver agents you can expect to save around 69% over a typical real estate agent’s 3.2% listing fee (Denver-area only). See the “fine print” at the bottom of this FAQ for important information.
What makes you different from the others who claim to help heroes?
So much! As a local team of military veterans with family and friends who are veterans, nurses, fire fighters, and educators, we genuinely care about serving our community heroes. You’re not a “lead” we’re buying from an online company that mines your interest in assistance and then sells it off to the highest bidder. The rebates and lender credits we offer come directly from our commissions, not a third party company, and you don’t have to wait until weeks after your loan closing to get a “Rewards” check (while fronting thousands of dollars for your closing). We work as a team, so you won’t run into the common issue of your REALTOR® and lender not being familiar with each other, which can slow down the process or interfere with negotiations. You’re not assigned to us on a round-robin basis. We offer more discounted local services than anyone else, and we offer incentives when you sell your house, too, not just when you buy. Check our blog post comparing Front Range Heroes and Homes for Heroes.
I am retired. Am I eligible for FRH incentives?
Yes, for the most part. If you had a Hero job you retired from, or served in the military or a civil service program, or if you ever volunteered for a cause that mattered to you, then YES, you are eligible for the real estate agent’s rebate! Retired military are eligible for both the Realtor rebate and lender credit. Tell us about your experience and we’ll go from there.
Can I get the incentives both for selling my current house and buying a new one?
YES! By all means, double dip and take advantage of the savings (as well as the efficiency) Front Range Heroes offers when you sell your home AND when you buy your new home. We’re adding real estate agents in other states who will help you save money when you buy a home! Please note: the 1% listing incentive is only available in the Denver Metro area. Realtors in other locations may offer varying incentives when you sell your home with them.
I’m active-duty military and I’m transferring to Colorado in the future. Can you help me?
Yes! Guardian Mortgage is a trusted VA VA lender and we often work with service members who are on PCS transfers. Having an in-state lender is critical when it comes to VA home buyers in our Colorado markets, and having a real estate agent who has lots of PCS experience is a must. Our mortgage adviser, Seth Erickson, is a Navy veteran and has worked with veterans for nearly 20 years. You can do virtually everything remotely, including E-signing most of the paperwork, viewing homes, and wiring deposits. We’re a team of veterans who understand the stress of a PCS move and will make the process easier and more affordable for you, and we’ll save you a lot more money than any of the online lenders like USAA or Veterans United. And if you’re PCSing to another state, we will connect with a Realtor in that area who will help you.
What kinds of loan programs are available to Front Range Heroes?
Guardian Mortgage is a direct Fannie/Freddie lender, and can offer you virtually every conventional or government loan program that exists on the market, with emphasis on VA loans. We offer special First Time Home buyer programs that pair nicely with the incentives, and even bond loans (down payment assistance) like CHFA are available to Front Range Heroes (the lender credit is not available when using CHFA or Jumbo financing, but you will get the realtor rebate). Guardian Mortgage services its own loans (so you won’t have your loan sold to other companies and bounced around) and offers “outside the box” loan options, too. We’re with you even AFTER you cross the finish line.
Can I take advantage of these incentives if my home is not on the Front Range?
Yes! If your house search is not on the Front Range, we will refer you to a real estate agent in your area who will offer the same Realtor and lender incentives. Your lender incentives are not impacted by the location of your new home, as long as it’s in Colorado. We’re adding agents outside of Colorado, too. They may offer a different incentive. Realtors are added to our site once they’ve worked with a hero. We can almost always refer you to a Realtor in your area who isn’t on the website yet.
I’m already pre-approved for a loan with another lender. Can I get the Hero Care Package?
You bet! We’d love to offer you a comparison quote and show you how much you can save by working with us. You are not obligated to use that lender who pre-approved you. We’re pretty sure we can save you a lot of money over that lender, and close your loan quickly, too. If you have already signed a contract with a REALTOR®, we won’t be able to offer you that rebate, but we will still offer the lender credit and other discounts. And it’s not just about the savings – our process is remarkably more customer-friendly than most of the lenders in Colorado. You can close quickly and with much less hassle than you’ll find at pretty much any big bank or online lender.