The Most Trusted Lender to Heroes and Their Families

Your next move starts with trust. Whether you are a Veteran, active duty, first responder, or a family member, get the insights and guidance you need to make a confident home decision.

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Stay in control of one of your most important assets:
Get Your Free Home Report

Most homeowners only check in on their mortgage when something big changes — but opportunities can pass you by in the meantime. Each month, you’ll receive a personalized snapshot with the key details that matter most:

💡 Practical Tips
Get ideas on how to increase your home’s value or put your equity to work.
📈 Neighborhood Trends
Stay informed with recent sales and local market activity.
🏡 Current Home Value
See what your home is worth in today’s market.
💰 Your Equity Position
Track how much equity you’ve built and what it could mean for your next move.

FREE RESOURCE

Stay in control of your monthly payment and long-term plan:
Run Your Rent vs Buy Analysis

Most people compare renting and buying with rough math and assumptions. This analysis gives you a clearer, side-by-side view of estimated monthly costs, along with forward-looking factors like appreciation and potential tax savings, so you can make a confident call.

💰 Payment Comparison
Compare estimated monthly payments for renting versus buying based on your scenario.
📈 Future Appreciation View
See an estimate of how home value growth could affect your long-term outlook.
🏡 Tax Benefit Estimate
Get an estimate of potential tax savings that can come with homeownership.
💡 Flexible Starting Points
Run the comparison based on purchase price, a desired monthly payment, or a military housing allowance scenario.

FREE RESOURCE

Don't let the benefits of homeownership pass you by:
See Your Cost of Waiting Analysis

Waiting can feel like the safer move, but it can create hidden costs. This report helps you see the estimated net impact of buying now versus waiting, based on factors like projected appreciation, payment differences over time, and refinance assumptions.

⏰ Buying Now vs Waiting Summary
See the estimated total net cost of waiting over your selected timeframe.
📈 Appreciation Gain Over Time
View how future home value growth may change the numbers year by year.
📸 Payment Difference Snapshot
Compare what the monthly payment could look like now versus later.
✅ Full Details Breakdown
Review the property and loan assumptions behind the results so you understand what drives the outcome.

Your Chosen Partner for Home Financing with Zero Lender Fees*

Lending to Heroes provides residential home mortgages to those that protect and serve our country and communities such as: Law Enforcement, Veterans, Teachers, Firefighters, Healthcare and Municipal workers. Whether you’re buying a second home, selling your house and purchasing a new one, refinancing your current home, or a first-time home buyer – we can help.

*Standard closing costs will apply.

Purchasing a Home
Let's get started! Jump into the home financing process with our easy online application.
Rate-Term Refinance
Our team receives your home loan application, reviews it, and works to get you approved in no time.
Cash Out Refinance
The big day is here! We'll go through all the details and close on your new home or refinance.
Renovate Your Home
Welcome to your happy place! It's time to make amazing memories in your beautiful new home.

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Stay confident with a real plan from real professionals:
Get VA Education and Consultation

If you want a real expert walkthrough of your VA home loan options to decide what’s right for you and your family, this is the right choice. We will answer your questions, clarify eligibility, and map out next steps based on your situation, so you know exactly what to do next.

✅ Eligibility and Benefits Review
Understand the VA loan advantages and what you may qualify for.
🔑 Step-by-Step Process Breakdown
Learn how the VA loan process works from start to keys.
📋 Readiness Checklist
Get a clear list of what to prepare so you can move faster when you are ready.
📣 Live Q & A Support
Talk to a real person and get direct answers, not generic info.

Proud to support those who serve

Lending to Heroes is a proud supporter of various organizations that benefit those who serve including the NJ State PBA and the locals, Port Authority of NJ and NY and the NYPD, hospitals and healthcare organizations, veterans affairs and educational foundations. Our leaders have received numerous awards for their outstanding support of American heroes including, the 2015 Valor Award from the NJ State PBA, 2015 Silver Card recipient from Paramus PBA and 2017 Man of the Year from Passaic PBA.

What Sets Lending To Heroes Apart:

$3.4M Money Raised
Over the last 16 years, Lending to Heroes has given back over $3.4M in support to those who serve through donations, sponsorships, and waived fees
400+ Partner Organizations
Want some financial wiggle room? Planning to upgrade your home? We'll help you choose a refinance rate that saves you meaningful money. What you do with it is up to you.
50+ Awards
Lending to Heroes has received more than 50 prestigious and respected awards including the 2015 Valor Award (NJSPBA), 2015 Silver Card Recipient (Paramus PBA), 2017 Man of the Year (Passaic PBA)

 Nationwide Mortgage Bankers, Inc. (NMB), going by NMB Home Loans, Inc. in the states of AL, AZ, GA, IL, IA, KS, KY, LA, MN, MT, ND, OK, PA, SC, SD, TX, WV and as NMB Home Loans in MA | NMLS# 819382 | 1305 Walt Whitman Road, Suite 100, Melville, NY  11747 | (833) 700-8884 | For licensing information, go to: www.nmlsconsumeraccess.org. | www.nmbnow.com. NMB is in no way affiliated with Nationwide Mutual Insurance Company. “NMBNOW” is a registered DBA of Nationwide Mortgage Bankers, Inc. All loans are subject to credit and appraisal approval. Not all applicants may qualify. Some products and services may not be available in all states. NMB is not acting on behalf of or at the direction of FHA/HUD/USDA/VA or the federal government. This is an advertisement. Licensed under the California Finance Lenders Law by The Department of Financial Protection and Innovation #60DBO73939 | Georgia Residential Mortgage Licensee | MA Mortgage Lender License #ML819382 | Licensed by the N.J. Department of Banking and Insurance | Licensed by the New York Department of Financial Services | Rhode Island Licensed Lender | Licensed by the Virginia State Corporation Commission. Additional state licensing information can be found at https://nmbnow.com/disclosures-and-licensing/

By refinancing your existing home loan, your total finance charges may be higher over the life of the loan.