Law Enforcement Program

Heroes Home Loan

100% financing with no down payment* for first-time buyers

No private mortgage insurance, reducing monthly costs

Fixed-rate loan options

Every hero deserves a home


Our Heroes Home Loan helps make homeownership more attainable. It's designed for law enforcement professionals who have never owned a home or who are ready to become a homeowner after years of renting. 

Unlike traditional mortgage programs, the Heroes Home Loan features:

  • 100% financing with no down payment
  • No expensive private mortgage insurance (PMI)
  • Competitive fixed rates 
  • Predictable monthly payments
  • Fixed rate and a 30- or 40-year term


The Heroes Home Loan is only available to  active-duty sworn and civilian professional law enforcement personnel. LAPFCU’s local mortgage specialists will assist you throughout the process and answer your questions. 

Shop for your California home with confidence, knowing your financing is already in place.


Heroes Home Loan Benefits

REQUIREMENTS

  • Cannot be a homeowner within the past 3 years
  • Active-duty sworn or civilian law enforcement professional
  • 700 FICO® Score minimum
  • Property must be owner-occupied and located in California
  • Three months of mortgage payment reserves in savings
  • Maximum 45% debt-to-income ratio
  • Complete first-time homebuyer education online class
  • Pay $250 application fee*

HOW TO APPLY

  1. Complete the required homebuyer education course at fanniemae.com/education.
  2. Email your completion certificate to [email protected] and request an appointment with a Mortgage Officer.
  3. Submit your $250 application fee, which is credited back to you at closing.
  4. Speak with a Mortgage Loan Officer by phone to complete your application. You’ll typically receive a pre-approval letter within two business days.

Apply for a Heroes Home Loan

Speak with a Mortgage Loan Officer at (877) 695-2732, ext. 7777.

We’ll help you understand your financing options, answer your questions, and guide you through every step of the homebuying process.

EDUCATIONAL RESOURCES

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LAPFCU is a full service financial services provider for sworn and civilian law enforcement professionals of federal, state, county, and city agencies and their family members in Southern California.