The HERO Rewards Program™
The Hero Rewards Program™, hosted at EarnedYourKeys.com, is an independent educational and support platform designed to:
Help individuals better understand the financial aspects of homeownership, and
Connect eligible consumers with licensed real estate professionals who may assist in their home-buying journey.
Important: What This Program Is Not
The Hero Rewards Program™ is not a real estate brokerage, mortgage lender, or government entity. It does not originate loans, provide lending services, extend credit, or issue loan approvals or qualifications. All real estate-related services are provided exclusively by licensed real estate professionals, who are solely responsible for their services, conduct, and compliance.
Don’t have a real estate agent yet? That’s exactly who this program is built for. We connect you with a licensed agent in your local market, and put money back in your pocket at closing for doing it. Buyers who are already actively working with an agent are not eligible for the program credit. Your choice of lender has no impact on eligibility.
2. Program Credit — Benefit & Structure
Any credit offered through the Hero Rewards Program™ is applied exclusively on the real estate side of the transaction. It is designed to help reduce out-of-pocket costs at closing and is funded solely through real estate compensation.
The credit is not tied to any financing arrangement or lender.
The credit is not dependent on whether the buyer uses a mortgage or purchases with cash.
Cash buyers and financed buyers are equally eligible for the program credit.
Lender selection does not affect eligibility in any way.
How the Credit Is Applied
The credit is applied at closing through escrow and will be reflected on the applicable closing settlement statement. It is designed to reduce out-of-pocket costs at closing. The credit cannot be received as cash outside of closing and may not be issued as a post-closing payment.
3. Eligibility & Enrollment
Receiving your closing credit is straightforward. Here is what you need to know before you enroll:
Already working with a real estate agent?
If you are already actively working with a real estate agent, this program is not the right fit for you, and that’s okay. The Hero Rewards Program™ connects buyers who need an agent with a licensed professional in their local market. The closing credit is tied to that connection. If you don’t have an agent yet, we’ve got you covered.
To qualify for the closing credit:
To qualify for the closing credit, here is how it works — three steps, in order:
A. Submit the enrollment form on EarnedYourKeys.com before signing any purchase agreement.
B Review and sign your program agreement. This document confirms your credit amount and identifies the licensed real estate agent assigned to your market. Your credit is tied to that agent relationship — if you cancel or stop working with the assigned agent, your program credit is void. If for any reason you are not comfortable with the agent referred to you, notify us and we will work to find you a better fit within the program network.
C. Close on your home with the agent assigned to you through the program. Credits are applied at closing through escrow and will appear on your closing settlement statement.
4. Buyer Credit Schedule
Credit amounts are based solely on the final purchase price of the home. The following schedule outlines the minimum guaranteed credit amount at each price tier. Actual credits may be higher based on transaction terms, subject to program guidelines.
Your Credit Is Confirmed Before You Sign Anything
Once you complete your enrollment form, you will receive your program agreement in writing. It will show your exact credit amount based on your anticipated purchase price and identify your assigned agent by name. No surprises. No fine print at closing. If you close with the assigned agent, you get your credit — period.
1. About the Hero Rewards Program™
The Hero Rewards Program™, hosted at EarnedYourKeys.com, is an independent educational and support platform designed to:
Help individuals better understand the financial aspects of homeownership, and
Connect eligible consumers with licensed real estate professionals who may assist in their home-buying journey.
Important: What This Program Is Not
The Hero Rewards Program™ is not a real estate brokerage, mortgage lender, or government entity. It does not originate loans, provide lending services, extend credit, or issue loan approvals or qualifications. All real estate services are provided exclusively by licensed real estate professionals, who are solely responsible for their services, conduct, and compliance.
Buyers without an existing active agent relationship will be introduced to a participating licensed real estate agent in their local market through the program referral network. Buyers who are already actively represented by a licensed real estate agent prior to enrollment are not eligible for the program credit. Lender selection is entirely the buyer’s choice and has no impact on eligibility for the program credit.
2. Program Credit — Benefit & Structure
Any credit offered through the Hero Rewards Program™ is applied exclusively on the real estate side of the transaction. It is designed to help reduce out-of-pocket costs at closing and is funded solely through real estate compensation.
The credit is not tied to any financing arrangement or lender.
The credit is not dependent on whether the buyer uses a mortgage or purchases with cash.
Cash buyers and financed buyers are equally eligible for the program credit.
Lender selection does not affect eligibility in any way.
How the Credit Is Applied
The credit is applied at closing through escrow and will be reflected on the applicable closing settlement statement. It is designed to reduce out-of-pocket costs at closing. The credit cannot be received as cash outside of closing and may not be issued as a post-closing payment.
3. Eligibility & Enrollment
To receive your closing credit, three things are required:
A. Submit the enrollment form on EarnedYourKeys.com before signing a purchase agreement.
B. Work with the licensed real estate agent the program connects you with in your local market. Once enrolled, you will receive written confirmation of your credit amount and your assigned agent. If you are not comfortable with the agent assigned to you, contact us and we will work to find a better fit. If you cancel or stop working with your assigned agent without requesting a reassignment through the program, your credit is void.
C. Close on your home with your assigned agent. Your credit is applied at closing through escrow and will appear on your closing settlement statement.
Already working with a real estate agent? If you are actively represented by an agent prior to enrolling, you are not eligible for the program credit. Lender selection is entirely your choice and has no impact on eligibility.
4. Buyer Credit Schedule
Credit amounts are based solely on the final purchase price of the home. The following schedule outlines the minimum guaranteed credit amount at each price tier. Actual credits may be higher based on transaction terms, subject to program guidelines.
Purchase Price | Minimum Credit Amount
---------------------------------|-------------
$150,000 – $249,999 → $800 Credit
$250,000 – $349,999 → $1,300 Credit
$350,000 – $449,999 → $1,800 Credit
$450,000 – $549,999 → $2,300 Credit
$550,000 – $649,999 → $2,750 Credit
$650,000 – $749,999 → $3,250 Credit
$750,000 – $849,999 → $3,750 Credit
$850,000. – $949,999 → $4,500 Credit
$950,000 – $1,049,999 → $5,250 Credit
$1,050,000 – $1,149,999 → $6,000 Credit
$1,150,000 – $1,249,999 → $6,750 Credit
$1,250,000 – $1,349,999 → $7,500 Credit
$1,350,000 – $1,449,999 → $8,250 Credit
$1,450,000 – $1,549,999 → $9,000 Credit
$1,550,000 and above → $10,000 Credit
Purchase dddddddPrice
Credits are applied toward allowable closing costs and settlement charges at closing, as permitted by the buyer’s escrow or settlement arrangement.
5. Lender Guidelines — If Applicable
This Section Applies Only to Buyers Using Mortgage Financing
Cash buyers are not subject to the limitations described in this section. If you are purchasing without financing, this section does not apply to your transaction.
For buyers using mortgage financing, lender-specific guidelines may limit the maximum credit amount that can be applied at closing. These limits vary based on loan type, occupancy, and individual lender requirements and are typically capped between 2%–9% of the purchase price.
Buyers using financing are responsible for the following:
Verifying with their lender that the applicable credit amount is permitted under their specific loan program.
Confirming the credit amount with their escrow or settlement officer prior to closing.
Understanding that credits exceeding allowable lender limits may be adjusted at closing.
The Hero Rewards Program™ is not responsible for lender-imposed credit limitations. The program will apply the maximum credit permitted by the buyer’s lender up to the scheduled program amount. Buyers are encouraged to discuss the credit with their lender early in the transaction to avoid any last-minute adjustments.
6. Educational 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 any home purchase or financial decision.
Program participants may be connected with licensed real estate 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.
7. Legal Compliance & Disclaimers
The Hero Rewards Program™ is not affiliated with the VA, FHA, USDA, or any federal, state, or local government agency. No program materials have been reviewed or endorsed by any such agency.
This program is not a government benefit, and eligibility is not determined by any government agency or guideline.
For licensing verification or compliance inquiries related to any real estate professional in the program network, please visit the applicable state real estate licensing authority for your state:
Arizona Department of Real Estate (ADRE) — azre.gov
Washington State Department of Licensing (DOL) — dol.wa.gov
Oregon Real Estate Agency (OREA) — oregon.gov/rea
8. Equal Housing Opportunity
The Hero Rewards Program™ supports the letter and spirit of the U.S. policy for the achievement of equal housing opportunity. The Program does not discriminate, and does not allow its participating real estate professionals to discriminate on behalf of the Program, on the basis of race, color, religion, sex, handicap, familial status, national origin, age, marital status, sexual orientation, gender identity, source of income, or any other classification protected by the federal Fair Housing Act or applicable Arizona, Washington, or Oregon fair housing laws.
Program marketing often speaks directly to first responders, veterans, active-duty military, teachers, nurses, medical professionals, and other essential workers. References to those professions describe the Program’s primary audience, not its exclusive audience. The Program is open to any qualified buyer who meets the eligibility requirements described in these disclosures.
9. Communications Consent — Phone, SMS & Email
By submitting your information through any Hero Rewards Program™ lead form, landing page, advertisement, or contact channel, you expressly consent to be contacted by the Program and its participating real estate professionals by telephone (including calls made with an automatic telephone dialing system or an artificial or prerecorded voice), text message, and email at the phone number and email address you provide. This consent applies even if your number is registered on a federal or state Do-Not-Call list. Consent to automated contact is not a condition of receiving information about the Program or being introduced to a participating agent — you may always speak with a participating professional directly without providing this consent.
Standard message and data rates may apply to SMS communications. Message frequency varies based on your activity and the campaigns you have engaged with. You may opt out of SMS messages at any time by replying STOP to any text message, and you may request help by replying HELP. You may unsubscribe from marketing emails at any time using the unsubscribe link included in every commercial email. Unsubscribe requests are honored promptly and in any event within ten (10) business days, as required by the federal CAN-SPAM Act. Every commercial email sent under the Program includes the operating entity’s physical mailing address, a clear sender identification, and a functioning unsubscribe mechanism.
Opting out of marketing communications does not opt you out of transactional communications related to an active enrollment, an in-progress real estate transaction, or any service you have specifically requested from a participating agent.
SMS Quick Reference
Reply STOP to opt out at any time. Reply HELP for assistance. Message and data rates may apply. Message frequency varies. Carriers are not liable for delayed or undelivered messages.
10. Privacy & Data Collection
The Hero Rewards Program™ collects information you provide directly, including your name, telephone number, email address, profession, anticipated purchase price or homebuying timeline, and preferred market or location. The Program also collects technical information automatically when you visit EarnedYourKeys.com or interact with Program advertisements, including device, browser, and usage data collected through standard analytics and advertising tools.
Information is used to evaluate your interest in the Program, confirm enrollment, connect you with a participating real estate professional in your market, deliver educational content, and comply with applicable recordkeeping requirements. The Program does not sell your personal information for monetary consideration.
Depending on where you live, you may have rights under your state's privacy laws — including the right to access, correct, delete, or obtain a copy of certain personal information, and to opt out of certain targeted advertising or profiling activities. To exercise any of these rights or ask questions about how your information is handled, use the contact details at EarnedYourKeys.com. A full Privacy Policy is published at EarnedYourKeys.com and is incorporated into these disclosures by reference.
11. Advertising, Testimonials & Forward-Looking Statements
All advertising published under the Hero Rewards Program™ is intended to be truthful, substantiated, and consistent with the standards of the Federal Trade Commission and applicable state real estate and consumer-protection advertising rules. Any reference to a maximum credit, such as “up to $10,000,” refers to the highest credit available under the Buyer Credit Schedule in Section 4; the credit a particular buyer receives is determined by purchase price tier and the other conditions described in these disclosures.
Testimonials, reviews, success stories, and social-proof content reflect the individual experiences of the consumers who provided them. They are not a guarantee or prediction of future results, and outcomes described in any single testimonial should not be expected to occur in every transaction.
Statements about home prices, interest rates, monthly payments, savings, market timing, or future home values are forward-looking and depend on factors outside the Program’s control. They are provided for general information only and are not a commitment to provide any product or service, an offer of credit, or financial advice.
12. Trademarks, Copyright & Use of Materials
“Hero Rewards Program,” “Earned Your Keys,” the EarnedYourKeys.com brand, and all related logos, marks, names, slogans, and creative assets are owned by the operating entity and are protected by U.S. trademark and copyright laws. All content published by the Program — including text, graphics, audio, video, scripts, and follow-up messaging — is the property of the operating entity or its licensors. Content may not be copied, reproduced, distributed, or used to create derivative works without prior written permission, except as permitted by law for personal, non-commercial reference.
13. Updates to These Disclosures
These disclosures are reviewed regularly and may be updated to reflect changes in the Program, applicable law, or regulatory guidance. Material changes will be reflected in the version published on EarnedYourKeys.com. Your continued participation in the Program after an update constitutes acknowledgment of the updated disclosures.
14. Contact
Questions about these disclosures, the Hero Rewards Program™, your information, or any communication you have received should be directed to the operating entity at the contact address published on EarnedYourKeys.com. Consumers may also contact the participating real estate professional of record directly using the contact details provided in their licensure disclosure or any written communication you have received from them.