What AHHL Does
AHHL provides marketing, homeownership education, program information, and introductions to participating providers. We negotiate benefit arrangements on behalf of our hero community.
About AHHL
Our Mission Is Personal
Our Mission Is Personal
American Heroes Homes and Lending, Inc. was founded by Joseph Ferraro, a former EMT and volunteer fire department Captain and Chaplain, with a commitment to advocating for those who serve.
Joe understands the dedication and sacrifice that service requires. He created AHHL to turn appreciation into action by negotiating homeownership benefits and savings opportunities with participating providers on behalf of our hero community.
Through Hero Advantage+™, we work with lenders, real estate brokerages, and other providers to help eligible participants explore opportunities when buying, selling, or refinancing a home.
Who Delivers the Benefits
The applicable participating providers deliver all advertised professional services, products, assistance funds, rebates, protections, and savings. They determine qualifications and establish their written terms.
AHHL is not a mortgage lender, mortgage broker, real estate brokerage, or settlement service provider. We do not approve financing or guarantee savings, benefits, or transaction outcomes.
Who We Serve
Our community includes law enforcement, corrections, firefighters, EMS professionals, active military members, veterans, teachers, healthcare professionals, transportation workers, and other eligible community professionals.
Membership in a profession or organization does not automatically establish eligibility for every benefit. Each offering has its own qualifications.
Understanding AHHL and AnnieMac Home Mortgage
AHHL and AnnieMac Home Mortgage have separate roles.
American Heroes Homes and Lending, Inc. develops and markets Hero Advantage+™, negotiates benefit arrangements on behalf of our hero community, and provides education and partner introductions.
AnnieMac Home Mortgage is a participating lending provider. AnnieMac determines eligibility for its mortgage products and lender benefits and is responsible for its loan terms, applications, underwriting, credit decisions, and the origination, closing, and funding of its loans.
Joseph Ferraro is the founder of AHHL and separately serves as an Originating Branch Manager at AnnieMac Home Mortgage. When providing mortgage advice or assisting with an AnnieMac loan, he acts in his AnnieMac capacity.
AHHL does not provide mortgage financing, negotiate an individual borrower’s loan terms, approve credit, or fund assistance. All mortgage products and benefits are subject to the applicable lender’s product qualifications and written terms.
You are free to choose your lender. AnnieMac-specific benefits may not be available through another lender.