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HERO Mortgage Loan

H.E.R.O. (Helping Enable Residential Ownership) Mortgage Loan

Purchasing a first home is one of the single most important financial decisions anyone will make. The Police Credit Union is excited to introduce a new loan exclusively for active Law Enforcement: The H.E.R.O (Helping Enable Residential Ownership) Mortgage Loan.

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Click here to submit a membership application.

Features & Benefits 

  • 100% financing of the purchase price or appraised value, whichever is less
  • 0% down payment
  • No PMI (Private Mortgage Insurance) requirements
  • Loan limits up to $1,000,000*
  • Quick approval
  • Eligible for our End of Watch debt forgiveness benefit

For more details or to apply, call us at 800.222.1391 (Option 4) or email us at

Program available to first-time homebuying members of the credit union that are an active full-time sworn peace officer or reserve peace officer employed by a federal, state, county or municipal agency. Program consists of a fixed or variable rate 1st and a fixed 2nd mortgage. Property must be located in California, and be owner occupied. First time home buyers may not have had ownership in a principal residence during the preceding 3 years. All loans subject to credit approval, documented income and reserve requirements. There is a non-refundable application fee of $95 for this program that will be credited back at closing. Additional terms, conditions and restrictions apply. Program is subject to change or cancellation without notice. Contact your TPCU Loan Officer for terms, rates and full details. Federally insured by the  NCUA. Equal Housing Opportunity. NMLS #: 409710

*Maximum loan limit may go up to $2,000,000 for qualified applicants, amount is for the total combined amount of the first and second mortgages.