The HERO Rewards Program™
The HERO Rewards Program™, hosted at EarnedYourKeys.com, is an independent educational and support platform designed to:
(1) help individuals better understand the financial aspects of homeownership, and
(2) connect eligible consumers with licensed professionals who may assist in their home-buying journey.
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 and lending services are provided exclusively by licensed professionals, who are solely responsible for their services, conduct, and compliance. Consumers are under no obligation to use any specific real estate agent or mortgage provider.
Program Benefit & Structure
Any credit offered through the HERO Rewards Program™ is applied on the real estate side of the transaction and is designed to help reduce out-of-pocket costs at closing.
This credit is not financed into the mortgage, is not tied to lender compensation, and is not dependent on the use of any specific lender. Buyers are free to choose any mortgage provider that best fits their needs.
Closing Credit Structure & Eligibility
The HERO Rewards Program™ credit is funded solely through real estate compensation. No portion of the credit is derived from loan origination or lender compensation.
The credit is applied at closing through escrow and will be disclosed on the Closing Disclosure (CD). It may be used to help reduce closing costs, lower an interest rate, or decrease the cash needed to close, subject to lender guidelines.
Eligibility & Participation Requirements
To receive the closing credit, the buyer must be enrolled in the HERO Rewards Program™ and work with a participating, licensed real estate agent within the program’s approved referral network.
The credit is offered exclusively through this network and is not dependent on the use of any specific mortgage lender. Lender selection does not impact eligibility for the credit.
Credits cannot be received as cash outside of closing and may not be issued as post-closing payments.
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.
Buyer Credit Schedule Disclosure
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 | 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
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.
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).