Do I have to pay the credit back?

The credits and/or discounts are not added to your loan amount, nor rolled into your interest rate, therefore you do NOT have to pay it back.

Can the credit only be used towards closing costs?

NO, it can also be used towards a rate buy down, pre-paid items such as taxes and insurance, or a combination of all three.

Does it matter how much I make?

There are NO income limits. As long as you qualify for a loan, you can receive the benefit.

Are educational courses required to receive the benefit?

NO, they are not required; however, they are available and recommended.

Are there limits to the purchase price or area restrictions?

There are NO purchase price or area restrictions.

Contact Us:

(877) 400-8441

FOP

In the market to buy or sell?

As an FOP member, if you're looking to sell or purchase a home, Our Home Perks program helps keep money in your pocket. Receive up to $30,000 when buying a home!

Program Details

For FOP members
There is no re-capture period, meaning you never pay the money back
Apply your money towards closing costs, rate buydowns, or pre-paids
Down payment assistance available
No interest rate adjustment, meaning you will not be given a higher rate to receive the credit
No area or income restrictions
Immediate and extended family members are eligible to receive 50% of the benefit
FOP membership is the ONLY requirement to qualify for the program
Secondary and investment properties eligible
$1,000 donated in your name to the FOP foundation

Get Started

Scenario Examples

Buying Example

Selling Example

Schedule a Free Consultation

If buying and selling, both scenarios can be combined to save thousands more!

Common Questions

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With our premiere mortgage banking, you're in good hands!

We are proud to be the top retail mortgage brokerage in the country, where we can provide our own financing for your home loan, or shop through hundreds of lenders throughout the U.S. to find the right loan for you. We use experienced teams and sophisticated software to get your loan closed and welcome you home!

Are you ready to begin?

We have a brief form for you to fill out, and someone will be in touch with you.

Get Started

Phone: (877) 400-8441

Email: info@ourhomeperks.com

© 2025 by FOP Home Perks. FOP Home Perks is an affinity program offered by SHL Affinity Partnerships to FOP NV CO LODGE 21. This program is operated by Streamline Team at CrossCountry Mortgage, Branch 3493. Equal housing opportunity. All loans subject to underwriting approval. Certain restrictions apply. Call for details. All borrowers must meet minimum credit, income, loan-to-value, debt-to-income, and other requirements to qualify for any mortgage program. CrossCountry Mortgage, LLC NMLS858979 (www.nmlsconsumeraccess.org).