All Forum Posts by: Joshua Patrick

I’m Joshua Patrick, an approved Homes for Heroes® partner (lender + agent team). Quick PSA for anyone here who is a Hero or regularly works with them:

Who counts as a “Hero”?

Firefighters/EMS, Law Enforcement, Military & Veterans, Healthcare Professionals, and Teachers.

What it is (in plain English):

Homes for Heroes thanks these groups with Hero Rewards—real savings delivered as a check after closing when they buy or sell a home with an HFH team. It works with all loan types, it’s not just for first-time buyers, and a portion supports the Homes for Heroes Foundation.

Typical savings:

The program guidance is roughly ~$700 per $100k of price (often $3,000+ total), and when both the lender + agent are HFH partners, the total benefit can be higher depending on the deal.

Why your clients/friends will care (practical uses):

• 
  

  Cover the first mortgage payment for breathing room

• 
  

  Moving costs (truck, boxes, cleaners)

• 
  

  New appliances, countertops, paint, flooring

• 
  

  Or just keep it in savings for month one

How you can help (copy/paste blurb to share):

“If you’re Military/Veteran, a first responder, healthcare professional, or a teacher, there’s a program called Homes for Heroes that can put real savings back in your pocket when you buy or sell a home. It’s a check after closing—use it for your first payment, moving, or upgrades. Want the one-page overview and a quick eligibility check? I’ll connect you.”

Here is the website
Homes for Heroes – Joshua Patrick

Hey Dayton, 

This looks interesting. I do have a really good Connection in the Commercial space. 

Shoot me a DM and I can send you over his information :) 

Hi John, depending on the current LTV I may have an option for HELOAN (closed end 2nd)

DM me some more information and I can see I can do. 

Hi Megan, 

I don't think there's 1 "Lender" that's the best. I think it depends on each scenario, both the borrower and the property. 

If you have a scenario that you would like to take a look at feel free to DM me. I can help find that Lender that your looking for :) 

 Hello Tia, 

I do see that you have already had multiple Lenders reach out in response. Ill love to also have a conversation comparing what I can offer to the others. We offer unique No Point Renovation Loans for quick rehabs and also a Deferred Points option for those longer rehabs. 

You can reach me at 949-317-4738 or email [email protected]

Look forward to connecting to see if we can be a good fit. 

Depending on your Credit Score, we can go up to 90% LTV. As far as reserves go:

0 Months PITI when LTV < 65%
6 Months PITI when LTV > 65%
12 Months PITI for loan amounts greater than $1,500,000 regardless of LTV

Hope that helps answers your questions, feel free to DM if you have additional questions!

Reach out to Mackenzie Alexander. She is a LO that can possibly help out! Her number is listed below.

(714) 292-5488

Reach out to Mackenzie Alexander. She is a LO that can get you that pre approval ASAP! Her number is listed below. 

(714) 292-5488

Hello, I am currently for some properties in the mentioned areas. Looking for a SFH purchase price $250k-$350k. Looking to put up to 20% down. Interested in off market deals as well as a property management company.

 I have a lender in mind that can help you get the best loan, I have been working with Mackenzie on several investment properties and she is very knowledgeable. Her number is 714-292-5488, https://www.zillow.com/lender-profile/Mackenziealexanderafn/ .