The Hero Rewards Program™,
hosted at EarnedYourKeys.com, is an educational and support-based platform designed to: (1) help individuals better understand the financial aspects of homeownership, and (2) connect community heroes with licensed professionals who can assist in their home-buying journey.
Joshua Jackson, founder of the Hero Rewards Program™, is a licensed mortgage loan officer (NMLS #198272) with Federal First Lending and a licensed real estate agent with eXp Realty, LLC in Arizona (License: SA707456000).
The Hero Rewards Program™ is independently operated by Joshua Jackson and is not sponsored, endorsed, or affiliated with eXp Realty, LLC, Federal First Lending, LLC or any government agency. The program does not extend credit, issue loan qualifications, originate loans, or operate as a real estate brokerage. All closing credits offered through the Hero Rewards Program™ are funded solely through real estate referral compensation earned by Joshua Jackson in his role as a licensed agent. These credits are not financed into the mortgage, not tied to lender compensation, and are not contingent upon using Joshua Jackson or any specific lender. Consumers are free to use any mortgage provider of their choice.
Closing Credit Structure & Eligibility
The Hero Rewards Program™ closing credit is funded solely through real estate referral compensation earned by Joshua Jackson in his role as a licensed real estate agent. It is not financed into the mortgage, and no part of it is derived from loan origination or lending compensation through Federal First Lending or any other mortgage institution. All credits must be properly disclosed on the (CD) Closing Disclosure and applied through escrow, and cannot be received as cash back.
To receive the closing credit:
Joshua Jackson must refer buyers directly to a participating licensed real estate agent within the Hero Rewards referral network.
The credit is determined solely by participation in the referral network and is not contingent upon using any specific lender.
Buyers are under no obligation to use Joshua Jackson for mortgage financing. The choice of lender is entirely theirs and will not affect eligibility for the closing credit. All credits or incentives will be processed through escrow and reflected on the (CD) Closing Disclosure. No post-closing payments will be issued.
Buyer Contribution Limits Disclosure:
Federal lending guidelines (FHA, VA, Conventional, and Investment loan programs) limit the maximum amount sellers, real estate agents, and lenders can contribute to a buyer's closing costs. Contributions are typically capped between 2%–9% of the purchase price, depending on loan type and occupancy.
Buyers should be aware that exceeding these limits may result in adjustments to the transaction terms, lender approval conditions, or reduced credits at closing.
Credit amounts provided to buyers are based solely on the final purchase price of the home. Credits will be applied toward allowable closing costs and prepaids, and must comply with applicable loan program limits.
The following schedule outlines the maximum allowed credit amounts based on the home's purchase price:
Purchase Price | Credit Amount
---------------------------------|-------------
Up to $299,999 | $1,000
$300,000 – $399,999 | $1,500
$400,000 – $499,999 | $2,000
$500,000 – $599,999 | $3,000
$600,000 – $699,999 | $4,000
$700,000 – $799,999 | $5,000
$800,000 – $899,999 | $6,000
$900,000 – $999,999 | $7,000
$1,000,000 – $1,199,999 | $8,000
$1,200,000 – $1,399,999 | $9,000
$1,500,000 and above | $10,000
Educational Nature of Materials
All guides, videos, and resources published by the Hero Rewards Program™ are intended for general educational purposes only. They do not constitute personalized legal, financial, or real estate advice and should not be used as the sole basis for home, lending, or investment decisions.
Professional Connections & Licensing
Program participants may be connected with real estate or loan professionals where legally required. All referrals are made to appropriately licensed individuals in their respective states. Consumers are encouraged to verify the credentials of any service provider they choose to work with.
Disclaimers & Legal Compliance
The Hero Rewards Program™ is not affiliated with the VA, FHA, USDA, or any government agency. No materials have been reviewed or endorsed by any such agency.
All discounts, rebates, and cashback offers are estimates and vary based on loan amount, purchase price, location, and eligibility criteria. Participation does not guarantee savings, and not all services are available in all states.
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Mortgage applications are subject to underwriting approval, applicable state and federal lending laws, and lender-specific guidelines. Loan terms, interest rates, and availability are subject to change without notice. All fees must comply with applicable state and federal high-cost thresholds.
For licensing verification or compliance inquiries, please visit the Nationwide Mortgage Licensing System (NMLS).