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Jodi Vermillion | VP | Branch Manager
NMLS: 227336 | GA: 67058 | KY: MC816641 | OH: MLO.021770.001
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Homes for Heroes in Ohio: Everything You Need to Know

Jul 21, 2026

Homes for Heroes: A Thank You That Goes Beyond Words

Every day, heroes in our communities show up for others. Teachers shape the next generation. Nurses and healthcare professionals care for us when we need it most. First responders answer calls without hesitation. Military members and veterans have sacrificed for our country.

The Homes for Heroes program was created as a way to give back to the people who spend their lives serving others.

As a proud Homes for Heroes affiliate, helping heroes is one of the most rewarding parts of what we do. Whether you're buying your first home, moving into your forever home, or refinancing, we're here to help you take advantage of benefits you may not even know are available.

What Is Homes for Heroes?

Homes for Heroes is a nationwide program designed to help community heroes save money when buying, selling, or refinancing a home.

When you work with a Homes for Heroes affiliate lender and real estate agent, you may receive significant savings at closing. Those savings can be used however you need them most, whether that's helping with closing costs, moving expenses, new furniture, or simply giving you a little more breathing room.

Best of all, there are no hidden fees to participate.

Who Qualifies?

You may be eligible if you're:

  • Active-duty military

  • Military veteran

  • Law enforcement

  • Firefighter

  • EMS or paramedic

  • Nurse or healthcare professional

  • Teacher or school employee

Not sure if you qualify? We'd be happy to answer your questions.

How Does It Work?

The process is simple.

  1. Reach out to our team.

  2. We'll confirm your eligibility.

  3. We'll connect you with a Homes for Heroes real estate professional if you need one.

  4. We'll help you find the mortgage that best fits your goals.

  5. You'll receive your Homes for Heroes savings after closing.

You do not have to use a special loan program to participate. Whether you're using a Conventional, FHA, VA, USDA, or another loan option, we'll help you determine what makes the most sense for your situation.

Why We Love This Program

After 26 years in the mortgage industry, we've learned that buying a home is about more than numbers.

It's about helping people build stability, create memories, and invest in their future.

Homes for Heroes allows us to give something back to the people who spend their careers giving to everyone else.

We've seen heroes use their savings to furnish a new home, offset moving expenses, build an emergency fund, or simply make the transition into homeownership a little easier.

Every family's story is different, but the impact is always meaningful.

Frequently Asked Questions

How much can I save?

Savings vary depending on the transaction, but many heroes receive hundreds or even thousands of dollars back at closing.

Does this affect my loan approval?

No. Your Homes for Heroes savings do not affect your credit, your loan approval, or your mortgage qualification.

Can I use this with a VA, FHA, or Conventional loan?

Yes. Homes for Heroes works alongside many different mortgage programs.

Is there an income limit?

No. There are no income restrictions for the Homes for Heroes program.

Can I use the program more than once?

Yes. Eligible heroes can use the program multiple times when buying or selling a home.

What if I already have a Realtor?

Reach out to us before moving forward. In many cases, we can explain how the program works and discuss what options may be available.

We're Here to Help

Whether you're ready to buy now, thinking about refinancing, or simply planning for the future, we're always happy to answer your questions.

There is never any pressure. Our goal is to be a trusted resource whenever you need us.

If you're a hero, or you know someone who is, we'd love the opportunity to help them take advantage of the Homes for Heroes program and the benefits they've earned.

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Jodi Vermillion VP | Branch Manager

Jul 21, 2026

Loan Officer Avatar

Jodi Vermillion

VP | Branch Manager

NMLS: 227336

GA: 67058

KY: MC816641

OH: MLO.021770.001

Ruoff Mortgage Company, Inc., doing business as Ruoff Mortgage, is an Indiana corporation. This blog is for general informational purposes only and is not intended to provide financial, legal, or credit advice. It is not an offer to extend credit, a commitment to lend, or a guarantee of loan approval or specific loan terms. All loans are subject to borrower eligibility, verification, and satisfaction of applicable underwriting guidelines. Information is current as of the date posted and is subject to change without notice. Equal Housing Lender. NMLS ID 141868. For complete licensing information, visit www.nmlsconsumeraccess.org.

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