The Hero Stack — maximize your rewards
Enter your ZIP, create a free account, and see your grant Stack automatically — with the Hero Benefits Alliance layer waiting on top.
Start with your ZIP
Free account required to see your results. No card, no obligation.
Not a guarantee of eligibility or dollar amounts. See full disclosures.
Home Approach and Hero Benefits Alliance are separate companies. Home Approach may receive compensation from HBA or participating providers for marketing or other services. You are never required to use HBA, Randy, or any provider shown, and your choice does not affect access to Home Approach tools. Benefits are not guaranteed. How we make money
Layer 5 with Home Approach StackWant a quick estimate?
HBA reports average savings of $3,000; eligibility, availability, and actual amounts vary.
The 5-Layer Max Stack
Hero Benefits Alliance
Closing rewards, reduced closing costs, 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.
What the hero layer adds
Rewards at closing
An HBA reward paid at the closing table on a qualifying purchase.
Reduced closing costs
Lower fees on qualifying purchases and refinances through alliance partners.
Discounted services
Reduced title and home inspection pricing through alliance partners.
Your hero-layer choices
After your Stack runs, you may choose guided help from Randy or direct HBA enrollment. These are optional introductions, not endorsements or requirements; Home Approach may receive compensation from HBA or participating providers.
Ruben Nazario
Real Estate Expert
The Greater Group of KW
Finds the home and writes the offer your Stack makes possible.
Randy Nemeroff
HBA Founder
Confirms your hero layer and what it's worth for your purchase.
How it works
Enter your ZIP
Start with the one thing we need to pull local programs.
Create your free account
No card, no obligation. Your ZIP stays saved.
Claim your hero layer
Choose Randy or HBA after your Stack appears.
Enter your ZIP first; everything else comes after your results.
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 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 participating providers. Home Approach may receive compensation from HBA or participating providers for marketing or other services. You are never required to use a provider presented here, and eligibility and benefit amounts are not guaranteed.
Important provider and compensation disclosure
Home Approach and Hero Benefits Alliance are separate, independent companies. Home Approach may receive compensation from HBA or participating providers for marketing or other services. You are never required to use HBA, Randy Nemeroff, or any lender, agent, title company, inspector, or other provider presented here. Choosing another provider—or no provider—does not affect your access to Home Approach tools. Home Approach does not add this compensation to your rate, fees, commission, or closing costs. Please independently review each provider relationship and confirm all services, fees, credits, discounts, eligibility requirements, and program terms directly with the provider. Enrollment does not guarantee eligibility or any benefit. This is not a loan offer, pre-approval, or commitment to lend. Read more about how Home Approach makes money.