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Additional Information

Z.E.R.O. Plus

FHA 30-year fixed

No 1st Time Homebuyer requirement

3.5% GRANT

Up to 120% of AMI (area median

income)

Credit scores as low as 640

Maximum loan amount varies by

county and state per FHA guidelines



Z.E.R.O. Choice

Conventional 30-year fixed

No 1st Time Homebuyer requirement

3% GRANT

1-Unit Single Family Primary Residence:

including eligible condos, co-ops and PUDs

Reduced MI

Non-occupant co-borrowers/co-signers may

be permissable

Up to 100% of AMI (area median income)

No income limit in low income census tracts

Cash Back to Borrower: Refund of

borrower's earnest deposit money

Credit scores as low as 640



Z.E.R.O. Advantage

Conventional 30-year fixed

1-Unit Single Family Primary

Residence: including eligible condos,

co-ops and PUDs

Credit scores as low as 640



95

5% down; 3% grant; 2% borrower or

gift funds

Up-to 120% AMI (area median

income)

No 1st Time Homebuyer requirement



97

3% grant

No income limits

Must be 1st time homebuyer

Up to $721,050 loan amount, varies

by county and state per FNMA

guidelines




 

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Heroes Home Advantage

Heroes Home Advantage™ is a real estate rebate program for those that protect, serve and care for our country and community: Military, Law Enforcement, Firefighters, Healthcare Workers, Emergency Personnel and Teachers.

Apply Now

What is Heroes Home Advantage™?

 As a way of saying “Thank You” to America’s HEROES for their services to our country and communities, our network of Realtors, Lenders, Attorneys, Home Inspectors, Title Companies and more decided to give cash back, credit, and discounts when a HERO buys, sells or refinances a home. 

Who is Eligible?

 Heroes Home Advantage™ is dedicated to helping our HEROES serving in the positions below.

MILITARY

LAW ENFORCEMENT

FIREFIGHTERS

HEALTH CARE PROFESSIONAL 

FIRST RESPONDERS

TEACHERS

CIVIL SERVANTS

 " Once I was introduced to the Heroes Home Advantage Program, I saw it as an opportunity to give back to our Heroes and Civil Servants, and I wanted to help.  Being the son of a Vietnam Veteran, and grandson of a World War II Veteran really helped me understand how important these Heroes are to our Community, and it is an honor to be able to assist them with the most important purchase of their lives. "

-Yves Cham 

Thank You Heroes!

Check out this great video

Yves Cham

Sr. Mortgage Banker & S. Florida Area Manager

Direct (786) 802-1727

Cell (305)992-5218 

Fax (786) 930-4818

ycham@amreslending.com 

Apply Now