The experience behind the strategy.
David brings more than 25 years of mortgage experience to understanding the programs and strategies that fit prospective homebuyers. He makes room for the questions that matter.
HOMES FOR HEROES®
You show up for others.
Let us show up for you.
Explore meaningful savings and personal mortgage guidance built around the people who serve our communities.
Explore your hero benefitsPROUDLY SERVINGMilitary & veteransHealthcareTeachersFire & EMSLaw enforcement
Benefits vary by eligibility and services used. We’ll explain what may apply and connect you with participating specialists.
About the national programMEET THE COKERSExperience you can lean on.
Experience you can lean on.
People you can reach.
Our partnership began in 2015, when Ryan graduated from UCF in Orlando and joined David in the mortgage business. Two generations brought together by a simple idea: take care of people, together.
A connected, personal relationship.
Ryan brings an approachable perspective, especially for first-time buyers finding their footing. Together, we stay flexible and involved so you know who to turn to.
CLIENT REVIEWS
Trusted when it matters most.
★★★★★Client feedback on Google & Zillow
★★★★★
“Excellent experience... great attention to detail.”
adillon79Reviewed on Zillow
★★★★★
“Best decision we made.”
sherrysummitReviewed on Zillow
★★★★★
“David made buying a house painless.”
John LangdonReviewed on Zillow
CLOSING DAY MOMENTS
Real people. Real milestones.
The best part of the process is celebrating alongside the people we serve.
Estimate your savings.
Adjust the home price to see an estimated combination of home-purchase savings and an average lender credit when working with participating Homes for Heroes specialists.
Estimated savings$2,950
Get started Estimate based on 0.7% of the home price plus a $500 average lender credit. Actual savings vary by eligibility, location, services used and program terms.HOME LOAN OPTIONS
More than one way home.
Tap a loan program to see its general requirements.
Final eligibility depends on the full application.
VA loansBuilt for eligible service members, veterans and surviving spouses.+
GENERAL GUIDELINES
- Minimum 580 FICO under our general guidelines
- 0% down payment for eligible borrowers
- Certificate of Eligibility required
- Primary residences only
Requirements and lender overlays may vary. Contact us for details.
FHA loansFlexible financing that can make a first home more attainable.+
GENERAL GUIDELINES
- Minimum 580 FICO under our general guidelines
- 3.5% minimum down payment
- Primary residences only
- Mortgage insurance applies
Requirements and lender overlays may vary. Contact us for details.
Conventional loansA versatile path for primary homes, second homes and investments.+
GENERAL GUIDELINES
- Minimum 620 FICO under our general guidelines
- Financing available up to 97% LTV for eligible borrowers
- Mortgage insurance generally applies below 20% down
- Primary, second-home and investment options
Requirements and lender overlays may vary. Contact us for details.
USDA loansEligible rural homebuyers may qualify for flexible financing.+
GENERAL GUIDELINES
- Minimum 640 FICO under our general guidelines
- 0% down payment for eligible borrowers
- Household income generally limited to 115% of area median
- Property must be in a USDA-eligible area
Requirements and lender overlays may vary. Contact us for details.
Ready to run the numbers? Use the payment calculator for a quick educational estimate.
Apply securely FROM OUR FAMILY TO YOUR NEXT CHAPTERLet’s talk about what home