Straight answers for military families
Frequently Asked Questions
Learn what Hometown Hero Credit is, who it may serve, and how Operation T.A.G. connects interested families with appropriately licensed lending professionals.
What is Hometown Hero Credit?+
Hometown Hero Credit™ is a program designed to help eligible military families reduce eligible homeownership costs. Eligible borrowers may receive a credit equal to 2% of the loan amount, up to $21,000, subject to eligible costs, lending guidelines and program restrictions.
Who qualifies for Hometown Hero Credit?+
The program is designed for eligible veterans with an honorable discharge, active-duty service members, reservists and qualifying Gold Star surviving spouses. Applicants must also meet applicable mortgage and program requirements.
How much assistance is available?+
Eligible homebuyers may receive a credit equal to 2% of the loan amount, up to a maximum of $21,000. The amount depends on the loan, eligible expenses and applicable lending guidelines.
Does Hometown Hero Credit have to be repaid?+
No. Hometown Hero Credit is not a loan and does not require repayment. It is assistance provided through the lending partner and is not a cash payment to the homebuyer.
Is Hometown Hero Credit a second mortgage?+
No. The credit does not create a second mortgage, additional lien or separate monthly payment.
Will receiving the credit increase my interest rate?+
The credit itself does not increase a borrower’s interest rate. Mortgage rates, terms and loan options are determined by the appropriately licensed lending partner based on the borrower’s application and applicable guidelines.
Can Hometown Hero Credit be used with a VA loan?+
The credit may be available with a VA loan and other eligible loan types, subject to the lending partner’s requirements, eligible expenses and program availability. A licensed lending professional can explain current options.
Is Operation T.A.G. a lender?+
No. Operation T.A.G. is not a lender. It does not originate loans, quote mortgage rates or terms, or make mortgage eligibility determinations.
Who provides the mortgage?+
Mortgage loans and lending services are provided by appropriately licensed lending partners. The lending partner handles mortgage eligibility, rates, terms, loan options and the application process.
Is Hometown Hero Credit available nationwide?+
Program availability can vary by area, county, property, loan type and lending guidelines. Products are not available in all areas, so ask a licensed lending partner about current availability.
What is the CalVet Home Loan Program?+
CalVet is a California veterans home financing program administered by the California Department of Veterans Affairs. Operation T.A.G. provides information and guidance, and helps make veterans aware of possible options. We connect interested veterans with appropriately licensed, vetted & approved lending professionals. Operation T.A.G. does not provide CalVet rates or terms.
How do I get more information?+
Send a message through the contact page or call the Hometown Hero Credit Program at 760-456-8748 or the CalVet Program at 760-760-5040. Operation T.A.G. can share program information and connect interested families with an appropriately licensed lending partner.
Are there programs that help veterans with closing costs?+
Yes. Hometown Hero Credit™ provides eligible military families a 2% credit of up to $21,000 toward eligible homeownership costs.
What home-buying assistance is available to veterans?+
Veterans may have access to VA benefits, state programs, and programs like Hometown Hero Credit™, which can help reduce eligible homeownership costs.
Can military families receive help with homeownership costs?+
Yes. Eligible military families may receive a 2% credit of up to $21,000 through Hometown Hero Credit™. Program requirements and restrictions apply.
What is Mission Homeownership?+
Mission Homeownership is a free digital guide created specifically for military families. It helps veterans and service members understand the VA home loan process, prepare for homeownership, ask better questions and make informed decisions.
What are Operation T.A.G. brand ambassadors?+
Brand ambassadors help introduce military families and communities to Operation T.A.G. resources. The nationwide program is free to join and may include a custom landing page, autoresponder, marketing materials and done-for-you social media marketing.
How can I contact Operation T.A.G.?+
Call the Hometown Hero Credit Program at 760-456-8748 or the CalVet Program at 760-760-5040, or use the enquiry form on the contact page. For mortgage eligibility, current rates and loan terms, the contact form can connect you with an appropriately licensed lending professional.
Do I need to be a first-time buyer?+
No first-time buyer requirement is stated for the Hometown Hero Credit program. Applicants must still satisfy applicable mortgage and program requirements.
Can the credit be used for a refinance?+
The program may support eligible purchase or refinance costs where permitted by the loan and current program guidelines. Ask a licensed lending partner what is available for your situation.