The Heroes Mortgage Program® is a marketing initiative and accompanying website owned and operated by Belsito Communications Inc. and its affiliated companies, including 1st Responder Newspaper and Hospital Newspaper. The Heroes Mortgage Program® is neither a lender nor a broker and does not originate or make loans nor make any credit decisions in connection with loans. We do not issue loan commitments or lock-in agreements.
The Heroes Mortgage Program® does not solicit a loan for the consumer, and will not help or assist in obtaining a loan. The Program neither an agent of the consumer nor of any participating bank, lender or mortgage broker. The Heroes Mortgage Program® marketing initiative was created to make active or retired members of the police, fire, rescue, EMS, military, educators, hospital and healthcare community aware of lenders who are interested in working with them. There is absolutely no charge to the consumer to use the Heroes Mortgage Program®.
The consumer must rely on his/her own judgment in deciding which available loan product best suits his/her needs and financial means, and whether or not to work with any Lender of which he/she becomes aware of through the Heroes Mortgage Program®. The consumer is under no obligation to use the Heroes Mortgage Program® to initiate any financing process.
The Heroes Mortgage Program® does not guarantee that submitting requested information to participating lenders will result in the origination of a loan from a Lender. The information the consumer submits to the Heroes Mortgage Program® is not an application for credit. The Program merely provides the consumer’s information to certain lenders so that they may contact the consumer directly. The Heroes Mortgage Program® cannot guarantee that the consumer will receive a loan with the most advantageous rate or terms or that better rates and terms are not available from Lenders in his/her area not participating in the Heroes Mortgage Program® marketing initiative.
The consumer must complete an application with a Lender before he/she will extend an unconditional loan offer. The Lender(s) selected may require an application fee to cover the cost of an appraisal, credit report or other items. Those fees are at the discretion of each participating lender. The Lender must provide certain information regarding whether any such fees are non-refundable. The Heroes Mortgage Program® does not charge the consumer any fees for its marketing services. The Heroes Mortgage Program® only receives compensation directly from the Lenders for marketing services provided.
Belsito Communications Inc. is an award-winning multimedia firm whose focus is on niche publishing, strategic marketing and web development and hosting. We publish a variety of publications in multiple states, and we’re involved in unique marketing and branding projects with local and national companies.