AHHL

Public Website Terms and Conditions

American Heroes Homes and Lending, Inc. Effective Date: October 6, 2026

1. About These Terms

These Terms and Conditions govern your access to and use of ahhlusa.com and the educational resources, calculators, and program information offered by American Heroes Homes and Lending, Inc. (AHHL, we, us, or our). These Terms do not govern the professional mortgage, real estate, or settlement services delivered by independent participating providers, which are subject to separate professional agreements and disclosures.

Please read these Terms carefully before using our platform. Your access to this website is subject to these Terms and applicable law. Any formal contractual acceptance required for specific platform features or professional memberships will be requested through a distinct, affirmative opt-in process.

2. What AHHL Does

AHHL is a marketing and educational platform. Through Hero Advantage+™, we negotiate homeownership benefit arrangements with independent participating professionals on behalf of our hero community. We provide general educational materials, outline available program opportunities, and facilitate introductions to participating professionals upon explicit user request.

AHHL does not itself provide, fund, or administer the advertised professional services, financial products, mortgage loans, assistance funds, grants, broker rebates, protections, or savings. Independent participating providers offer, deliver, and determine qualifications for all such programs. AHHL does not charge heroes for its general educational resources, program information, or introductions. Participating providers may charge for their own products and services, as disclosed in their written terms.

3. Service Limitations and Professional Licensing Disclosures

AHHL is an advertising and educational entity. AHHL is not a mortgage lender, mortgage broker, real estate brokerage, or settlement service provider.

  • We do not accept mortgage applications, originate, process, close, fund, or underwrite credit.
  • We do not make credit decisions or approve mortgage applications.
  • We do not quote or negotiate individual mortgage terms, list or sell real property, issue title insurance, or provide individual credit repair services.
  • All content, digital tools, and educational information on this website are for general illustrative purposes only and do not constitute individualized financial, tax, mortgage, or legal advice.

4. Consumer Choice and Independent Relationships

Participation in any AHHL-advertised program is entirely voluntary. Consumers retain the absolute right to compare, select, and utilize any lender, real estate professional, or title provider of their choice.

  • You may inquire about our network programs while maintaining an active relationship with an existing professional.
  • An inquiry through our website does not require you to terminate any exclusive agency agreement or change your existing service providers.
  • Program-specific discounts or vendor-funded benefits negotiated by AHHL may not be available outside of our participating provider network.

5. Program Benefits, Eligibility, and Contingencies

All advertised benefits, lender fee reductions, brokerage rebates, or closing credits are subject to strict eligibility rules, product qualifications, regional availability, and the specific offering provider's written terms.

  • The appearance of a program category on this website does not guarantee its availability in every state, transaction, or credit profile. Not all benefits can be combined.
  • Down payment assistance programs may be structured as grants, or as forgivable, deferred-payment, or repayable loans carrying specific occupancy obligations, funding limits, or recapture conditions.
  • Brokerage rebates or closing credits are paid and delivered solely by the participating real estate brokerage, subject to applicable state law, lender requirements, corporate brokerage authorization, and proper transaction disclosures.
  • AHHL does not guarantee final loan approvals, specific interest rates, overall closing costs, transactional savings, or provider performance.

6. Marketing Arrangements and Regulatory Compliance

AHHL structures all provider relationships to align with federal and state regulations, including Section 8 of the Real Estate Settlement Procedures Act (RESPA).

  • AHHL receives compensation under separate written agreements from participating real estate professionals and lending providers for distinct advertising, technology, and marketing services actually delivered by AHHL.
  • This compensation reflects the documented reasonable market value of the specific marketing services and technical infrastructure provided by AHHL.
  • AHHL’s compensation is never calculated based on the volume, value, or occurrence of any client referrals or closed settlement service transactions. We do not pay or accept fees for the referral of settlement service business.

7. Independent Provider Relationships (AnnieMac)

AnnieMac Home Mortgage is an independent participating lending provider within our marketing network. AHHL’s founder, Joseph Ferraro, separately serves as an Originating Branch Manager at AnnieMac. When assisting consumers with an AnnieMac mortgage product, he acts solely in his capacity as an AnnieMac employee under AnnieMac’s licensing, control, and regulatory disclosures, and not as an operative of AHHL.

8. Website Intellectual Property

The public educational content, text, graphics, logos, and digital compilations on this website are the property of AHHL or its content suppliers and are protected by United States copyright and trademark laws. Users are granted a limited, revocable license to access public materials for personal, non-commercial use.

Licensed real estate professionals who maintain active, paid accounts with AHHL are granted distinct marketing deployment rights governed exclusively by their separate Professional Membership Agreement.

9. Prohibited Website Uses

You agree to use this website only for lawful purposes. You are prohibited from:

  • Introducing malicious code, viruses, worms, or technologically harmful material to the platform.
  • Attempting to gain unauthorized access to our web servers, databases, or connected networks.
  • Deploying automated scrapers, bots, or spiders to extract data from the site without explicit written authorization.
  • Falsely representing an administrative affiliation or authorized relationship with AHHL.

10. Limitation of Liability

AHHL aims to provide accurate, up-to-date educational content on this platform. However, to the extent permitted by applicable law, AHHL, its officers, directors, and employees shall not be liable for indirect, incidental, special, consequential, or punitive damages resulting from your use of this website or the operational performance of independent providers introduced through this platform.

Nothing in these Terms excludes liability or remedies that cannot lawfully be excluded under mandatory state consumer protections, nor do these terms excuse AHHL from responsibility for its own intentional or unlawful conduct.

11. Governing Law and Forum

These Terms shall be governed by and construed in accordance with the laws of the State of New York. Any legal suit, action, or proceeding arising out of or related to these website terms shall be instituted in a court of competent jurisdiction. This provision does not waive any non-waivable statutory consumer rights regarding local governing law or access to your home state's venue.

12. Policy Modifications

We reserve the right to modify these website terms prospectively to reflect operational or regulatory changes. Updates will be communicated by updating the effective date at the top of this webpage. Where required by law for material modifications, direct notices or explicit renewal consents will be implemented.

13. Contact Us

American Heroes Homes and Lending, Inc. 532 Broadhollow Road, Suite 111, Melville, NY 11747 Email: hello@ahhlusa.com Phone: 888-298-2445