The Hero Stack — maximize your rewards
Four layers of homebuyer grants, plus an exclusive fifth layer for military, first responders, educators, healthcare, and public servants.
Enter your ZIP right after. Free, no card, no obligation.
In alliance with HomeApproach StackThe 5-Layer Max Stack
Hero Benefits Alliance
Closing rewards, reduced lending fees, discounted title and inspection
Employer Match
Workplace housing benefits and employer contributions
County Programs
Hyperlocal city and county assistance funds
State Grants
Housing finance agency down-payment and bond programs
Federal Loans
FHA, VA, USDA, and Good Neighbor Next Door
Your Max Stack is the total of every layer you clear.
Who qualifies for layer 5
Built for those who serve
What the hero layer adds
Rewards at closing
An HBA reward paid at the closing table on a qualifying purchase.
Reduced lending fees
Lower lender fees on a new mortgage or a refinance.
Discounted services
Reduced title and home inspection pricing through alliance partners.
Meet your two guides
Talk to either one, or both. HomeApproach receives no compensation for either introduction.
Ruben Nazario
NJ Real Estate Expert
The Greater Group of KW
Finds the home and writes the offer your Stack makes possible.
Message Ruben directly
Randy Nemeroff
HBA Founder & Lender
Citywide Home Mortgage
Confirms your hero layer and structures the financing around it.
Message Randy directlyHow it works
Create your free account
No card, no obligation. Takes about 30 seconds.
Run your Stack
Enter your ZIP and we waterfall all four public layers into one total.
Verify your hero layer
A free call with Ruben or Randy to confirm what you actually qualify for.
Questions
Is Hero Stack free?
Yes. Creating an account and running your Stack is free. There is no card and no upsell.
Does this guarantee I'll qualify?
No. Hero Stack shows programs you may be eligible for. Final eligibility and dollar amounts are set by each program administrator and by Hero Benefits Alliance after you apply.
Who are Ruben and Randy?
Ruben Nazario is a licensed New Jersey real estate agent with The Greater Group of KW. Randy Nemeroff is a mortgage lender with Citywide Home Mortgage and the founder of Hero Benefits Alliance. You choose who you talk to, or you can talk to both.
How are the rewards funded?
HBA rewards and discounts are provided by Hero Benefits Alliance and its partners. HomeApproach receives no compensation for either introduction.
Hero Stack shows programs you may qualify for. HomeApproach does not guarantee that you will qualify for any grant, program, or reward, or that you will receive the dollar amounts identified. Final eligibility, funding availability, and award amounts are determined by each program administrator and by Hero Benefits Alliance. This is not a loan offer, pre-approval, or commitment to lend.